North American Banking Company: Income and Expense
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Data as of · Call Report Schedule RI How we update
North American Banking Company reported all 18 line items on this page on its Q3 2026 filing. Net income was $10.7M in Q3 2026, up 70.8% from $6.3M in Q3 2025.
Return on equity climbed 10.01 percentage points in Q3 2026, from 35.62% to 45.63%. It was the largest change from Q2 2026 among the key lines here. On return on assets, North American Banking Company ranks 8th highest among the 221 banks headquartered in Minnesota, at 2.76% (Q3 2026). Against a median of 1.30% for banks in the $1B-10B asset tier, North American Banking Company reported 2.76% on return on assets in Q3 2026, 1.46 points higher.
Net income
| Line item | Q3 2026 |
|---|---|
| Net income | $10.7M |
| Return on assets | 2.76% |
| Return on equity | 45.63% |
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Interest income and expense
Largest change in this table: total interest expense, up 4.5% to $6.3M in Q3 2026 after $6.1M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $11.8M |
| Total interest expense | $6.3M |
| Interest expense on deposits | $5.7M |
| Net interest margin | 2.93% |
Noninterest income and expense
Largest change in this table: total noninterest expense, up 10.2% to $9.2M in Q3 2026 after $8.4M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Total noninterest expense | $9.2M |
| Salaries and general administrative expense | $4.7M |
| Amortization of intangibles | $0 |
| Other noninterest expense | $4.5M |
| Efficiency ratio | 45.64% |
Productivity
| Line item | Q3 2026 |
|---|---|
| Assets per employee | $13.3M |
| Revenue per employee | $768K |
| Full-time equivalent employees | 105 |
Credit costs and securities results
Provision expense to average assets moved most in this table, down 0.04 points: 0.09% in Q2 2026, 0.05% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Provision for credit losses | $200K |
| Provision expense to average assets | 0.05% |
| Realized gain/(loss) on securities | $0 |
Income and Expense trend
Each bar is that quarter alone, not a year-to-date total.
Lower is better: it is expense as a share of revenue.
Income and Expense by quarter
| Quarter | Net income | Return on assets | Return on equity | Efficiency ratio |
|---|---|---|---|---|
| Q4 2023 | $728K | 0.22% | 6.84% | 82.98% |
| Q1 2024 | $1.3M | 0.39% | 10.33% | 81.30% |
| Q2 2024 | $1.6M | 0.47% | 12.34% | 78.59% |
| Q3 2024 | $2.7M | 0.82% | 17.51% | 67.58% |
| Q4 2024 | $4.6M | 1.33% | 27.34% | 60.19% |
| Q1 2025 | $3.3M | 0.93% | 18.86% | 63.15% |
| Q2 2025 | $4.3M | 1.23% | 21.74% | 59.84% |
| Q3 2025 | $6.3M | 1.71% | 28.56% | 52.11% |
| Q4 2025 | $7.3M | 1.94% | 30.92% | 52.92% |
| Q1 2026 | $6.9M | 1.79% | 28.77% | 51.29% |
| Q2 2026 | $8.7M | 2.26% | 35.62% | 48.06% |
| Q3 2026 | $10.7M | 2.76% | 45.63% | 45.64% |
North American Banking Company income and expense, quarter by quarter
Income and Expense since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RI, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full North American Banking Company profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 34836) · FFIEC NIC profile (RSSD 2631846)