Byron, MN · Cert 9728 · Olmsted Bcorp Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Rochester, MN · 2026 SOD (annual) · 1.6% share · #17 of 34 inst. · $0.1B of $7.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 0.75% | 0.92% | 0.96% | 0.98% | 0.99% | 0.26% | 0.83% | -14 bps | |
| Return on Equity | 11.38% | 11.77% | 14.19% | 14.67% | 14.62% | 14.55% | 3.67% | 11.75% | -292 bps | |
| Net Interest Margin | 2.98% | 2.88% | 3.23% | 3.17% | 3.19% | 3.21% | 3.19% | 3.35% | +18 bps | |
| Efficiency Ratio | 60.24% | 59.85% | 59.24% | 57.82% | 57.31% | 57.54% | 60.39% | 55.75% | -206 bps | |
| Non-Interest Burden | 1.72% | 1.65% | 1.83% | 1.75% | 1.75% | 1.77% | 1.86% | 1.77% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.53% | 13.41% | 10.53% | 14.19% | 7.59% | 5.26% | 9.33% | 5.81% | -838 bps | |
| Loan Growth (YoY) | 18.93% | 13.81% | 12.01% | 17.10% | 8.92% | 6.10% | 8.17% | 2.78% | -1,432 bps | |
| Deposit Growth (YoY) | 25.74% | 23.69% | 20.54% | 0.58% | 3.23% | 4.21% | 4.58% | 7.05% | +647 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.44% | 0.53% | 0.13% | 0.24% | 0.16% | 0.16% | 2.64% | 2.63% | +239 bps | |
| Net Charge-Offs / Loans | 0.29% | 0.27% | 0.21% | 0.12% | 0.12% | 0.14% | 0.04% | 0.15% | +3 bps | |
| Allowance / Loans | 1.08% | 1.07% | 1.08% | 1.08% | 1.11% | 1.12% | 1.40% | 1.37% | +29 bps | |
| Allowance Coverage of NPLs | 2.4x | 2.0x | 8.2x | 4.5x | 7.1x | 6.9x | 0.5x | 0.5x | -4.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.54% | 7.63% | 7.75% | 7.77% | 7.89% | 7.93% | 7.69% | 7.93% | +16 bps | |
| Total Risk-Based Capital | 11.01% | 11.26% | 11.51% | 11.16% | 11.87% | 11.80% | 11.80% | 12.08% | +92 bps | |
| Equity / Assets | 6.52% | 6.30% | 6.74% | 6.67% | 7.22% | 7.23% | 6.86% | 7.03% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.33% | 100.40% | 98.75% | 104.15% | 101.64% | 102.22% | 102.13% | 100.00% | -415 bps | |
| Liquid Assets / Assets | 3.37% | 3.75% | 3.28% | 4.21% | 3.04% | 2.80% | 3.33% | 3.58% | -64 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 253% | 253% | 250% | n/a | n/a | |