The Bank of Elk River: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 18.07 percentage points lower than in Q1 2026, at 101.43%. The Bank of Elk River ranks 170th of 221 Minnesota banks on return on assets, in the lower half at 0.99% (Q2 2026). The Bank of Elk River reported 0.99% on return on assets for Q2 2026, 0.26 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.64% |
| Tier 1 risk-based capital ratio | 13.64% |
| Total risk-based capital ratio | 14.80% |
| Tier 1 leverage ratio | 9.14% |
| Equity capital to assets | 6.82% |
| Tangible equity to tangible assets | 6.82% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.15% |
| Non-performing assets ratio | 0.73% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 10.09% |
| Allowance for credit losses to loans | 1.17% |
| Reserve coverage of non-performing loans | 101.43% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.99% |
| Return on equity | 15.09% |
| Net interest margin | 3.68% |
| Efficiency ratio | 66.03% |
| Yield on earning assets | 5.10% |
| Cost of funds | 1.53% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.21% |
| Core deposits to total deposits | 93.18% |
| Brokered deposits to total deposits | 0.04% |
| Deposits to assets | 91.96% |
| Securities to assets | 32.32% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.05% | 14.05% | 15.08% | 8.34% | 0.90% |
| Q4 2023 | 13.95% | 13.95% | 14.99% | 8.48% | 0.79% |
| Q1 2024 | 14.07% | 14.07% | 15.14% | 8.48% | 0.52% |
| Q2 2024 | 13.49% | 13.49% | 14.54% | 8.42% | 0.74% |
| Q3 2024 | 13.72% | 13.72% | 14.79% | 8.52% | 0.80% |
| Q4 2024 | 14.04% | 14.04% | 15.10% | 8.67% | 0.96% |
| Q1 2025 | 13.99% | 13.99% | 15.05% | 8.77% | 0.86% |
| Q2 2025 | 13.86% | 13.86% | 14.94% | 8.76% | 0.85% |
| Q3 2025 | 14.15% | 14.15% | 15.26% | 8.84% | 1.12% |
| Q4 2025 | 14.00% | 14.00% | 15.07% | 8.96% | 1.01% |
| Q1 2026 | 13.81% | 13.81% | 14.90% | 9.04% | 0.66% |
| Q2 2026 | 13.64% | 13.64% | 14.80% | 9.14% | 0.99% |
The Bank of Elk River vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Elk River, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Bank of Elk River profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1607) · FFIEC NIC profile (RSSD 10250)