Kent, MN · Cert 9733 · Minndak Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.37% | 1.40% | 1.33% | 1.46% | 1.48% | +12 bps | |
| Return on Equity | 15.40% | 15.67% | 14.78% | 15.88% | 16.78% | +138 bps | |
| Net Interest Margin | 4.30% | 4.23% | 4.16% | 4.29% | 4.30% | 0 bps | |
| Efficiency Ratio | 58.82% | 58.60% | 60.98% | 56.61% | 56.52% | -230 bps | |
| Non-Interest Burden | 2.33% | 2.29% | 2.36% | 2.25% | 2.21% | -12 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.15% | 7.17% | 7.35% | 13.77% | 13.61% | +46 bps | |
| Loan Growth (YoY) | 11.87% | 7.86% | 8.23% | 9.53% | 13.86% | +199 bps | |
| Deposit Growth (YoY) | 14.96% | 8.79% | 12.75% | 23.80% | 23.44% | +848 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.35% | +35 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.08% | 1.10% | 1.12% | 1.14% | 1.10% | +2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 3.1x | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.62% | 8.78% | 8.81% | 9.12% | 8.47% | -15 bps | |
| Total Risk-Based Capital | 11.47% | 12.09% | 12.41% | 12.50% | 11.37% | -10 bps | |
| Equity / Assets | 8.58% | 9.03% | 9.22% | 9.13% | 8.24% | -34 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 114.03% | 113.03% | 106.12% | 101.08% | 105.18% | -885 bps | |
| Liquid Assets / Assets | 0.23% | 0.17% | 0.12% | 0.17% | 0.13% | -10 bps | |
| CRE / Total Capital | n/a | 233% | 222% | 219% | n/a | n/a | |