| Metric | Ultima Bank Minnesota | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +4.4% | +3.1 pts |
| Deposit growth (YoY) | +6.4% | +4.0% | +2.5 pts |
| Loan growth (YoY) | +7.4% | +5.6% | +1.8 pts |
| ROA | 1.76% | 1.24% | +0.5 pts |
| ROE | 16.1% | 11.9% | +4.3 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $333.9M | $277.3M | $311.2M | $35.5M | $2.8M | 1.76% | 5.09% | 0.59% |
| Q1 2026 | $319.1M | $280.6M | $295.9M | $34.3M | $1.3M | 1.63% | 5.07% | 0.17% |
| Q4 2025 | $317.2M | $277.6M | $289.5M | $35.8M | $6.6M | 2.14% | 5.23% | 0.19% |
| Q3 2025 | $318.5M | $273.8M | $297.5M | $34.9M | $5.2M | 2.29% | 5.26% | 0.25% |
| Q2 2025 | $310.6M | $260.5M | $289.7M | $33.6M | $3.5M | 2.31% | 5.28% | 0.75% |
| Q1 2025 | $302.3M | $262.4M | $278.4M | $32.3M | $1.7M | 2.33% | 5.35% | 0.07% |
| Q4 2024 | $291.2M | $252.1M | $271.3M | $30.6M | $6.2M | 2.18% | 5.18% | 0.15% |
| Q3 2024 | $292.6M | $256.1M | $269.5M | $32.3M | $4.9M | 2.30% | 5.20% | 0.20% |
Loan mix (Q2 2026): real estate $171.2M · commercial $42.1M · consumer $4.9M · securities $126K
| Ratio | Ultima Bank Minnesota | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.76% | 1.24% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 16.1% | 11.9% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.09% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.1% | 62.9% | 36th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Ultima Bank Minnesota | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Ultima Bank Minnesota | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Ultima Bank Minnesota | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Ultima Bank Minnesota | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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