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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.79% | 0.66% | 1.06% | 1.20% | 1.52% | 0.67% | 1.53% | +47 bps | |
| Return on Equity | 6.30% | 7.81% | 6.78% | 11.11% | 12.38% | 15.42% | 7.01% | 16.58% | +547 bps | |
| Net Interest Margin | 2.61% | 2.89% | 2.91% | 3.13% | 3.21% | 3.41% | 3.38% | 3.63% | +49 bps | |
| Efficiency Ratio | 62.70% | 56.14% | 65.90% | 51.19% | 49.11% | 42.02% | 56.53% | 43.60% | -759 bps | |
| Non-Interest Burden | 1.60% | 1.59% | 1.89% | 1.57% | 1.54% | 1.24% | 1.89% | 1.55% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.80% | 6.29% | 5.68% | 10.96% | 14.33% | 13.19% | 8.24% | 9.20% | -176 bps | |
| Loan Growth (YoY) | 4.95% | 4.22% | 4.02% | 4.10% | 4.80% | 7.37% | 10.35% | 9.47% | +537 bps | |
| Deposit Growth (YoY) | 9.18% | 5.96% | 1.77% | 9.14% | 12.18% | 12.45% | 8.23% | 5.51% | -363 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.48% | 0.21% | 0.29% | 0.24% | 0.23% | 0.38% | 0.38% | 0.19% | -5 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.18% | 0.00% | 0.06% | 0.00% | 0.00% | 0.10% | 0.11% | +5 bps | |
| Allowance / Loans | 0.92% | 0.92% | 0.96% | 0.94% | 0.91% | 0.89% | 0.88% | 0.90% | -3 bps | |
| Allowance Coverage of NPLs | 1.9x | 4.4x | 3.3x | 3.9x | 3.9x | 2.3x | 2.3x | 4.7x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.32% | 11.08% | 10.75% | 10.62% | 10.66% | 10.70% | 10.43% | 10.66% | +4 bps | |
| Total Risk-Based Capital | 16.45% | 15.67% | 16.25% | 16.22% | 15.55% | 15.51% | 15.38% | 15.70% | -52 bps | |
| Equity / Assets | 10.37% | 9.82% | 9.53% | 9.60% | 9.72% | 9.96% | 9.24% | 9.24% | -36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.08% | 105.09% | 97.75% | 98.42% | 95.36% | 100.34% | 99.67% | 102.11% | +369 bps | |
| Liquid Assets / Assets | 1.58% | 0.84% | 4.04% | 1.93% | 3.40% | 0.55% | 1.17% | 2.53% | +60 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 518% | 529% | 544% | n/a | n/a | |