MY Kind of Bank, N.A.: 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.
Reserve coverage of non-performing loans climbed 12.63 percentage points in Q2 2026, from 98.77% to 111.41%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, MY Kind of Bank, N.A. is 98th of 221 on return on assets, 1.47% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. MY Kind of Bank, N.A. sits 0.21 points higher, at 1.47% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.89% |
| Tier 1 risk-based capital ratio | 11.89% |
| Total risk-based capital ratio | 13.04% |
| Tier 1 leverage ratio | 9.03% |
| Equity capital to assets | 8.05% |
| Tangible equity to tangible assets | 7.20% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.02% |
| Non-performing assets ratio | 0.86% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 12.74% |
| Allowance for credit losses to loans | 1.14% |
| Reserve coverage of non-performing loans | 111.41% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.47% |
| Return on equity | 18.44% |
| Net interest margin | 4.16% |
| Efficiency ratio | 60.57% |
| Yield on earning assets | 6.28% |
| Cost of funds | 2.19% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.58% |
| Core deposits to total deposits | 87.61% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.26% |
| Securities to assets | 19.24% |
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 | 14.03% | 14.03% | 15.28% | 10.32% | 0.95% |
| Q4 2023 | 14.40% | 14.40% | 15.65% | 10.53% | 1.02% |
| Q1 2024 | 12.52% | 12.52% | 13.77% | 9.11% | 0.64% |
| Q2 2024 | 11.79% | 11.79% | 13.01% | 8.73% | 0.88% |
| Q3 2024 | 11.76% | 11.76% | 12.94% | 8.66% | 0.95% |
| Q4 2024 | 11.78% | 11.78% | 12.91% | 8.75% | 1.11% |
| Q1 2025 | 12.11% | 12.11% | 13.24% | 9.01% | 0.92% |
| Q2 2025 | 11.63% | 11.63% | 12.74% | 8.89% | 1.20% |
| Q3 2025 | 11.78% | 11.78% | 12.92% | 8.83% | 1.06% |
| Q4 2025 | 11.97% | 11.97% | 13.05% | 8.78% | 1.26% |
| Q1 2026 | 11.77% | 11.77% | 12.85% | 9.04% | 1.37% |
| Q2 2026 | 11.89% | 11.89% | 13.04% | 9.03% | 1.47% |
MY Kind of Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock MY Kind of Bank, N.A., 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 MY Kind of Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5162) · FFIEC NIC profile (RSSD 23456)