Pipestone, MN · Cert 9770 · First STB SW Ksop PLAN&TR
State charter, Fed member · FED · 6 branches
Q2 2026
Market Position · Sioux Falls, SD-MN · 2026 SOD (annual) · 0.0% share · #41 of 42 inst. · $0.0B of $1127.8B
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 | 0.68% | 0.70% | 0.80% | 0.80% | 0.99% | +31 bps | |
| Return on Equity | 13.37% | 12.81% | 13.97% | 12.02% | 14.77% | +141 bps | |
| Net Interest Margin | 2.57% | 2.65% | 2.70% | 2.87% | 2.88% | +31 bps | |
| Efficiency Ratio | 70.64% | 68.83% | 66.30% | 68.27% | 63.76% | -688 bps | |
| Non-Interest Burden | 1.60% | 1.59% | 1.53% | 1.74% | 1.56% | -4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.76% | -1.56% | -1.05% | 0.47% | 4.79% | +555 bps | |
| Loan Growth (YoY) | 5.38% | 3.01% | 3.94% | 0.29% | 2.95% | -243 bps | |
| Deposit Growth (YoY) | 1.68% | -3.76% | -5.50% | -1.44% | 5.01% | +333 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.50% | 0.53% | 0.45% | 0.73% | 0.71% | +21 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | -0.01% | 0.00% | 0.00% | +2 bps | |
| Allowance / Loans | 1.19% | 1.36% | 1.35% | 1.43% | 1.45% | +26 bps | |
| Allowance Coverage of NPLs | 2.4x | 2.6x | 3.0x | 2.0x | 2.0x | -0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.49% | 9.87% | 9.95% | 9.78% | 9.69% | +20 bps | |
| Total Risk-Based Capital | 17.45% | 18.13% | 17.62% | 17.66% | 17.53% | +8 bps | |
| Equity / Assets | 5.66% | 6.65% | 6.98% | 6.40% | 6.65% | +99 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 65.18% | 65.05% | 66.22% | 64.97% | 63.90% | -128 bps | |
| Liquid Assets / Assets | 0.56% | 0.59% | 0.61% | 0.60% | 0.49% | -7 bps | |
| CRE / Total Capital | n/a | 126.99% | 126.94% | 129.01% | n/a | n/a | |