Newfolden, MN · Cert 9752
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.20% | 1.07% | 1.17% | 1.23% | 1.30% | +10 bps | |
| Return on Equity | 7.20% | 6.35% | 7.12% | 7.84% | 8.42% | +121 bps | |
| Net Interest Margin | 2.85% | 2.89% | 2.81% | 2.88% | 3.03% | +18 bps | |
| Efficiency Ratio | 49.68% | 52.34% | 50.00% | 47.56% | 47.75% | -193 bps | |
| Non-Interest Burden | 1.34% | 1.44% | 1.35% | 1.30% | 1.36% | +2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.55% | 4.32% | 5.58% | 8.09% | 7.56% | +301 bps | |
| Loan Growth (YoY) | 5.04% | 4.00% | -2.75% | 1.56% | 2.87% | -218 bps | |
| Deposit Growth (YoY) | 4.34% | 4.65% | 6.09% | 9.47% | 9.37% | +503 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.03% | 0.60% | 0.00% | 0.00% | +3 bps | |
| Allowance / Loans | 2.34% | 2.28% | 2.16% | 2.10% | 2.07% | -28 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 16.52% | 16.75% | 15.53% | 15.80% | 15.81% | -71 bps | |
| Total Risk-Based Capital | 62.05% | 58.23% | 60.96% | 58.07% | 62.00% | -5 bps | |
| Equity / Assets | 16.71% | 17.12% | 15.68% | 15.59% | 15.39% | -131 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 40.39% | 42.03% | 37.75% | 38.51% | 37.99% | -240 bps | |
| Liquid Assets / Assets | 17.50% | 6.66% | 16.50% | 15.93% | 24.28% | +678 bps | |
| CRE / Total Capital | n/a | 21.49% | 20.47% | 24.56% | n/a | n/a | |