Rosemount, MN · Cert 9769 · Higgins Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.1% share · #76 of 125 inst. · $0.1B 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 0.31% | 0.09% | 0.28% | 0.32% | 0.11% | 0.12% | 0.33% | +5 bps | |
| Return on Equity | 5.89% | 6.85% | 2.15% | 6.81% | 7.58% | 2.53% | 2.76% | 7.53% | +72 bps | |
| Net Interest Margin | 2.79% | 2.77% | 2.93% | 2.87% | 2.82% | 2.71% | 2.94% | 2.98% | +11 bps | |
| Efficiency Ratio | 83.67% | 83.04% | 92.31% | 84.37% | 83.23% | 86.18% | 90.94% | 82.58% | -179 bps | |
| Non-Interest Burden | 2.30% | 2.27% | 2.68% | 2.39% | 2.32% | 2.31% | 2.66% | 2.41% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.15% | 15.32% | 18.63% | 13.13% | 14.54% | 15.00% | 9.44% | 1.16% | -1,197 bps | |
| Loan Growth (YoY) | 28.07% | 23.34% | 22.00% | 17.20% | 16.98% | 14.18% | 4.92% | -0.19% | -1,739 bps | |
| Deposit Growth (YoY) | 19.55% | 15.78% | 19.10% | 10.59% | 15.01% | 14.73% | 9.29% | 2.87% | -773 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 4.00% | 3.58% | 3.80% | 3.59% | 4.16% | 3.73% | 2.62% | 2.88% | -71 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.09% | 0.02% | 0.01% | 0.01% | 0.00% | 0.19% | 0.14% | +13 bps | |
| Allowance / Loans | 0.83% | 0.77% | 0.78% | 0.83% | 0.87% | 1.03% | 1.06% | 1.16% | +33 bps | |
| Allowance Coverage of NPLs | 0.2x | 0.2x | 0.2x | 0.2x | 0.2x | 0.3x | 0.4x | 0.4x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.05% | 7.00% | 6.84% | 6.59% | 6.37% | 6.11% | 6.09% | 6.28% | -31 bps | |
| Total Risk-Based Capital | 10.68% | 10.46% | 10.00% | 10.20% | 9.80% | 9.86% | 10.13% | 10.89% | +69 bps | |
| Equity / Assets | 4.60% | 4.13% | 4.01% | 4.24% | 4.31% | 4.37% | 4.13% | 4.71% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.18% | 75.56% | 73.72% | 76.54% | 73.42% | 75.19% | 70.77% | 74.27% | -227 bps | |
| Liquid Assets / Assets | 3.32% | 0.37% | 1.96% | 0.34% | 1.78% | 0.59% | 5.85% | 1.70% | +137 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 274% | 283% | 259% | n/a | n/a | |