First Bank 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: 3.52 percentage points higher than in Q1 2026, at 179.38%. First Bank Elk River ranks 197th of 221 Minnesota banks on return on assets, in the lower half at 0.66% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.26% on return on assets. First Bank Elk River sits 0.59 points lower, at 0.66% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.68% |
| Equity capital to assets | 8.44% |
| Tangible equity to tangible assets | 8.44% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.53% |
| Non-performing assets ratio | 0.39% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 4.29% |
| Allowance for credit losses to loans | 0.95% |
| Reserve coverage of non-performing loans | 179.38% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.66% |
| Return on equity | 7.93% |
| Net interest margin | 3.47% |
| Efficiency ratio | 75.12% |
| Yield on earning assets | 4.87% |
| Cost of funds | 1.50% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.80% |
| Core deposits to total deposits | 85.99% |
| Brokered deposits to total deposits | 7.57% |
| Deposits to assets | 73.10% |
| Securities to assets | 16.85% |
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 | 11.58% | 11.58% | 12.47% | 9.37% | 0.89% |
| Q4 2023 | 11.52% | 11.52% | 12.39% | 9.55% | 0.76% |
| Q1 2024 | 11.28% | 11.28% | 12.14% | 9.37% | 0.69% |
| Q2 2024 | — | — | — | 9.36% | 0.41% |
| Q3 2024 | — | — | — | 9.38% | 0.50% |
| Q4 2024 | — | — | — | 9.60% | 0.58% |
| Q1 2025 | — | — | — | 9.49% | 0.41% |
| Q2 2025 | — | — | — | 9.53% | 0.58% |
| Q3 2025 | — | — | — | 9.90% | 0.68% |
| Q4 2025 | — | — | — | 10.68% | 3.46% |
| Q1 2026 | — | — | — | 10.46% | 0.45% |
| Q2 2026 | — | — | — | 10.68% | 0.66% |
First Bank Elk River vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank 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 First Bank Elk River profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5136) · FFIEC NIC profile (RSSD 970055)