New Richland, MN · Cert 9735 · New Richland Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in MN (n=111 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
38
Asset Quality
62
Profitability
66
Liquidity
0
Efficiency
97
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
New Richland, MN · Cert 9735 · New Richland Bancshares Inc.
State charter, non-member · FDIC · 1 branch
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.21% | 1.09% | 1.30% | 1.29% | 1.33% | 1.31% | 1.67% | 1.66% | +37 bps | |
| Return on Equity | 12.88% | 11.89% | 14.82% | 14.43% | 14.62% | 14.48% | 18.09% | 17.58% | +315 bps | |
| Net Interest Margin | 2.93% | 2.90% | 3.01% | 3.16% | 3.19% | 3.20% | 3.38% | 3.42% | +25 bps | |
| Efficiency Ratio | 51.89% | 54.40% | 48.72% | 50.53% | 49.23% | 50.14% | 39.01% | 40.28% | -1,025 bps | |
| Non-Interest Burden | 1.43% | 1.49% | 1.36% | 1.51% | 1.48% | 1.52% | 1.22% | 1.27% | -25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.02% | 7.87% | 6.76% | 1.82% | 2.17% | -1.55% | 1.16% | 0.20% | -162 bps | |
| Loan Growth (YoY) | 3.96% | 7.57% | 6.22% | 3.32% | 1.56% | -0.81% | 1.95% | -1.13% | -445 bps | |
| Deposit Growth (YoY) | 3.83% | 0.12% | 5.06% | 1.45% | 9.38% | 9.43% | -6.69% | 7.00% | +555 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.74% | 0.45% | 0.20% | 0.48% | 0.17% | 0.18% | 0.16% | 0.29% | -18 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 0.83% | 0.86% | 0.88% | 0.87% | 0.87% | 0.85% | 0.87% | 0.89% | +2 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.9x | 4.5x | 1.8x | 5.0x | 4.9x | 5.4x | 3.0x | +1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.72% | 8.97% | 9.24% | 9.57% | 9.95% | 9.18% | 9.54% | 9.96% | +38 bps | |
| Total Risk-Based Capital | 12.30% | 11.16% | 12.20% | 12.18% | 12.86% | 11.69% | 12.45% | 12.91% | +73 bps | |
| Equity / Assets | 9.57% | 8.43% | 9.07% | 9.22% | 9.69% | 8.94% | 9.52% | 9.84% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 142.87% | 146.75% | 132.17% | 147.24% | 132.65% | 133.03% | 144.42% | 136.06% | -1,118 bps | |
| Liquid Assets / Assets | 0.01% | 0.03% | 1.48% | 0.03% | 1.29% | 2.06% | 1.06% | 0.61% | +58 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 13.52% | 14.96% | 14.97% | n/a | n/a | |
New Richland, MN · Cert 9735 · Peer group: banks under $1B in assets in MN (n=111-113) · New Richland Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
1.67%
Rank 16 of 113
Net Interest Margin
3.42%
Rank 85 of 113
Efficiency Ratio
40.28%
Rank 4 of 113
Equity / Assets
9.84%
Rank 63 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.67% | 0.87% | 1.20% | 1.41% | Beats 86% | 16 / 113 | ||
| Return on Equity | 16.99% | 8.92% | 11.27% | 13.99% | Beats 87% | 15 / 113 | ||
| Net Interest Margin | 3.42% | 3.42% | 3.88% | 4.31% | Beats 25% | 85 / 113 | ||
| Efficiency Ratio | 40.28% | 54.13% | 61.48% | 69.86% | Beats 97% | 4 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.29% | 0.09% | 0.58% | 1.82% | Beats 61% | 44 / 111 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 62% | 43 / 111 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.97% | 11.53% | 13.31% | 18.13% | Beats 34% | 75 / 113 | ||
| Total Risk-Based Capital Ratio | 12.91% | 12.12% | 14.43% | 19.39% | Beats 35% | 74 / 113 | ||
| Equity / Assets | 9.84% | 8.52% | 10.10% | 11.94% | Beats 44% | 63 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 136.06% | 62.08% | 77.32% | 88.06% | 99th pctl | 1 / 111 | ||
| Loans / Assets | 88.68% | 55.01% | 66.35% | 75.50% | 95th pctl | 6 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||