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Arcadian Bank

Hartland, MN · Cert 10561 · Minnesota Cmty Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in MN3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in MN (n=111 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

44

Q2 2024Q2 2026peer median (50)

Asset Quality

88

Q2 2024Q2 2026peer median (50)

Profitability

77

Q2 2024Q2 2026peer median (50)

Liquidity

52

Q2 2024Q2 2026peer median

Efficiency

74

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Arcadian Bank

Hartland, MN · Cert 10561 · Minnesota Cmty Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$242.1MAssets
$182.3MLoans
$206.1MDeposits
$28.6MEquity
Loan mix
78%RE $118.7M22%C&I $33.6M0%Consumer $0.5MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $169.1M18%Noninterest $37.0MQ2 2025Q2 2026

NIM

5.39%Q2 ’245.67%Q2 ’255.96%Q2 ’26+15%+8%

Non-interest income vs. expense

2.61%Q2 ’242.51%Q2 ’252.58%Q2 ’26-8%+2%

Executive Summary

  • Earnings: ROA of 1.63%, up 26 bps year over year; NIM at 4.31%.
  • Asset quality: problem loans at 0.10% of loans (-6 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.01%, down 71 bps from a year ago.
  • Funding: loans stand at 88.48% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.63%+26 bps YoY

Net Interest Margin (YTD, annualized)

4.31%+33 bps YoY

Efficiency Ratio (YTD, annualized)

54.25%-279 bps YoY

Tier 1 Leverage Ratio

12.01%-71 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.37%1.42%1.46%1.50%1.63%+26 bps
Return on Equity11.59%12.13%12.44%12.86%13.87%+228 bps
Net Interest Margin3.99%3.98%3.93%4.27%4.31%+33 bps
Efficiency Ratio57.04%55.76%55.14%55.91%54.25%-279 bps
Non-Interest Burden2.07%2.01%1.96%2.17%2.11%+4 bps
Growth
Asset Growth (YoY)1.34%7.52%6.50%7.55%6.78%+544 bps
Loan Growth (YoY)3.72%4.78%7.37%9.49%6.33%+261 bps
Deposit Growth (YoY)2.15%13.24%7.41%7.20%7.69%+554 bps
Asset Quality
Nonperforming Loans / Loans0.15%0.12%0.10%0.13%0.10%-6 bps
Net Charge-Offs / Loans0.05%0.04%0.03%0.00%0.00%-5 bps
Allowance / Loans1.15%1.19%1.17%1.22%1.24%+10 bps
Allowance Coverage of NPLs7.5x10.1x12.3x9.7x13.0x+5.5x
Capital
Tier 1 Leverage Ratio12.71%11.94%11.86%11.90%12.01%-71 bps
Total Risk-Based Capital12.71%11.94%11.86%11.90%12.01%-71 bps
Equity / Assets12.07%11.45%11.88%11.49%11.80%-27 bps
Liquidity & Funding
Loans / Deposits89.61%86.46%91.58%89.71%88.48%-113 bps
Liquid Assets / Assets0.12%0.11%0.02%0.06%0.05%-7 bps
CRE / Total Capitaln/a220%233%242%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Arcadian Bank

Hartland, MN · Cert 10561 · Peer group: banks under $1B in assets in MN (n=111-113) · Minnesota Cmty Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$242.1MAssets
$182.3MLoans
$206.1MDeposits
$28.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in MN (rank 36 of 111).
  • Widest gap: total risk-based capital ratio trails 76% of banks under $1B in assets in MN (rank 86 of 113).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.61%

Rank 18 of 113

Net Interest Margin

4.31%

Rank 29 of 113

Efficiency Ratio

54.25%

Rank 30 of 113

Equity / Assets

11.80%

Rank 32 of 113

Non-interest income vs. expense

$1.1M$6.2MINCOMEEXPENSE
Unfavorable gap of $5.0M · efficiency ratio beats 74% of banks under $1B in assets in MN
Bank 54.25%Peer median 61.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.61%0.87%1.20%1.41%Beats 84%18 / 113
Return on Equity13.67%8.92%11.27%13.99%Beats 73%31 / 113
Net Interest Margin4.31%3.42%3.88%4.31%Beats 74%29 / 113
Efficiency Ratio54.25%54.13%61.48%69.86%Beats 74%30 / 113
Asset Quality
Nonperforming Loans / Loans0.10%0.09%0.58%1.82%Beats 75%29 / 111
Net Charge-Offs / Loans0.00%n/a0.00%0.04%Beats 100%36 / 111
Capital
Tier 1 Capital Ratio12.01%11.53%13.31%18.13%Beats 35%74 / 113
Total Risk-Based Capital Ratio12.01%12.12%14.43%19.39%Beats 24%86 / 113
Equity / Assets11.80%8.52%10.10%11.94%Beats 72%32 / 113
Liquidity & Funding
Loans / Deposits88.48%62.08%77.32%88.06%77th pctl26 / 111
Loans / Assets75.30%55.01%66.35%75.50%73rd pctl31 / 113
Brokered Deposits / Depositsn/aNot reported for this institution