Prinsbank

Prinsburg, MN · Cert 10191 · PSB Financial Shares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$308.3MAssets

$189.2MLoans

$262.9MDeposits

$37.7MEquity

Loan mix

Deposit mix

NIM

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.0% share · #109 of 125 inst. · $0.1B of $253.2B

7.1% Kandiyohi

6.2% McLeod

0.0% Hennepin

Earnings: ROA of 2.83%, up 103 bps year over year; NIM at 4.33%.
Asset quality: problem loans at 0.29% of loans (-187 bps YoY), with net charge-offs at 0.19%.

Return on Assets (YTD, annualized)

2.83%+103 bps YoY

Net Interest Margin (YTD, annualized)

4.33%+11 bps YoY

Efficiency Ratio (YTD, annualized)

56.23%-411 bps YoY

Tier 1 Leverage Ratio

11.99%-329 bps YoY

Year to date, annualized, through each quarter.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	1.80%	1.91%	1.83%	1.74%	2.83%	+103 bps
Return on Equity	11.94%	13.31%	13.23%	14.96%	23.86%	+1,192 bps
Net Interest Margin	4.21%	4.52%	4.66%	4.43%	4.33%	+11 bps
Efficiency Ratio	60.34%	62.73%	63.57%	53.41%	56.23%	-411 bps
Non-Interest Burden	1.74%	1.93%	2.09%	2.36%	2.44%	+70 bps
Growth
Asset Growth (YoY)	14.44%	2.22%	2.78%	35.65%	39.28%	+2,484 bps
Loan Growth (YoY)	-3.25%	-0.44%	9.49%	43.63%	44.35%	+4,759 bps
Deposit Growth (YoY)	15.53%	6.51%	7.33%	40.81%	43.74%	+2,821 bps
Asset Quality
Nonperforming Loans / Loans	2.16%	0.82%	0.67%	1.34%	0.29%	-187 bps
Net Charge-Offs / Loans	-1.03%	-0.72%	-0.62%	-0.35%	0.19%	+122 bps
Allowance / Loans	9.19%	8.51%	8.36%	7.01%	5.50%	-369 bps
Allowance Coverage of NPLs	4.2x	10.3x	12.4x	5.3x	18.7x	+14.5x
Capital
Tier 1 Leverage Ratio	15.29%	11.06%	11.89%	10.76%	11.99%	-329 bps
Total Risk-Based Capital	24.44%	17.28%	17.35%	18.01%	18.89%	-555 bps
Equity / Assets	14.88%	11.97%	11.74%	11.61%	12.23%	-265 bps
Liquidity & Funding
Loans / Deposits	71.68%	86.06%	82.42%	72.69%	71.98%	+30 bps
Liquid Assets / Assets	2.01%	23.17%	25.06%	27.14%	26.80%	+2,479 bps
CRE / Total Capital	n/a	485%	484%	405%	n/a	n/a