Profinium, Inc.: 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 251.65 percentage points in Q2 2026, from 710.30% to 961.95%. It was the largest change from Q1 2026 among the key lines here. Profinium, Inc. ranks 157th of 221 Minnesota banks on return on assets, in the lower half at 1.07% (Q2 2026). Profinium, Inc. reported 1.07% on return on assets for Q2 2026, 0.19 points below the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.17% |
| Tier 1 risk-based capital ratio | 13.17% |
| Total risk-based capital ratio | 14.42% |
| Tier 1 leverage ratio | 10.17% |
| Equity capital to assets | 9.31% |
| Tangible equity to tangible assets | 8.66% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.13% |
| Non-performing assets ratio | 0.10% |
| Net charge-off ratio | 0.14% |
| Texas ratio | 1.03% |
| Allowance for credit losses to loans | 1.28% |
| Reserve coverage of non-performing loans | 961.95% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.07% |
| Return on equity | 12.01% |
| Net interest margin | 3.45% |
| Efficiency ratio | 63.45% |
| Yield on earning assets | 5.36% |
| Cost of funds | 2.07% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.57% |
| Core deposits to total deposits | 91.77% |
| Brokered deposits to total deposits | 1.83% |
| Deposits to assets | 85.36% |
| Securities to assets | 13.04% |
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 | 11.41% | 11.41% | 12.55% | 9.01% | 0.46% |
| Q4 2023 | 11.15% | 11.15% | 12.33% | 8.97% | 0.30% |
| Q1 2024 | 11.00% | 11.00% | 12.20% | 8.97% | -0.14% |
| Q2 2024 | 11.12% | 11.12% | 12.33% | 8.94% | 0.32% |
| Q3 2024 | 11.32% | 11.32% | 12.57% | 9.12% | 0.32% |
| Q4 2024 | 11.13% | 11.13% | 12.37% | 8.96% | -0.01% |
| Q1 2025 | 11.69% | 11.69% | 12.94% | 9.23% | 0.70% |
| Q2 2025 | 11.67% | 11.67% | 12.92% | 9.49% | 0.71% |
| Q3 2025 | 12.36% | 12.36% | 13.61% | 9.68% | 0.64% |
| Q4 2025 | 12.57% | 12.57% | 13.82% | 9.87% | 0.90% |
| Q1 2026 | 12.90% | 12.90% | 14.15% | 10.12% | 0.73% |
| Q2 2026 | 13.17% | 13.17% | 14.42% | 10.17% | 1.07% |
Profinium, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Profinium, Inc., 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 Profinium, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1905) · FFIEC NIC profile (RSSD 865450)