Loretto, MN · Cert 9751 · Crosstown Holding Co.
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.3% share · #26 of 125 inst. · $0.7B of $253.2B
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 | 0.87% | 0.98% | 1.12% | 0.67% | 1.31% | +45 bps | |
| Return on Equity | 8.98% | 10.10% | 11.51% | 7.01% | 13.86% | +488 bps | |
| Net Interest Margin | 2.97% | 3.00% | 3.03% | 3.38% | 3.50% | +53 bps | |
| Efficiency Ratio | 58.15% | 54.94% | 51.13% | 56.53% | 49.84% | -831 bps | |
| Non-Interest Burden | 1.70% | 1.62% | 1.49% | 1.89% | 1.72% | +2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.96% | 14.33% | 13.19% | 8.24% | 9.20% | -176 bps | |
| Loan Growth (YoY) | 4.10% | 4.80% | 7.37% | 10.35% | 9.47% | +537 bps | |
| Deposit Growth (YoY) | 9.14% | 12.18% | 12.45% | 8.23% | 5.51% | -363 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.24% | 0.23% | 0.38% | 0.38% | 0.19% | -5 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.01% | 0.10% | 0.10% | +8 bps | |
| Allowance / Loans | 0.94% | 0.91% | 0.89% | 0.88% | 0.90% | -3 bps | |
| Allowance Coverage of NPLs | 3.9x | 3.9x | 2.3x | 2.3x | 4.7x | +0.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.62% | 10.66% | 10.70% | 10.43% | 10.66% | +4 bps | |
| Total Risk-Based Capital | 16.22% | 15.55% | 15.51% | 15.38% | 15.70% | -52 bps | |
| Equity / Assets | 9.60% | 9.72% | 9.96% | 9.24% | 9.24% | -36 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 98.42% | 95.36% | 100.34% | 99.67% | 102.11% | +369 bps | |
| Liquid Assets / Assets | 1.93% | 3.40% | 0.55% | 1.17% | 2.53% | +60 bps | |
| CRE / Total Capital | n/a | 518% | 529% | 544% | n/a | n/a | |