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Janesville State Bank

Janesville, MN · Cert 10960 · Janesville Holding Co.

State charter, non-member · FDIC · 1 branch

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

33

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

46

Q2 2024Q2 2026peer median (50)

Liquidity

73

Q2 2024Q2 2026peer median

Efficiency

76

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

Janesville State Bank

Janesville, MN · Cert 10960 · Janesville Holding Co.

State charter, non-member · FDIC · 1 branch

Q2 2026

$98.8MAssets
$70.3MLoans
$84.1MDeposits
$10.7MEquity
Loan mix
87%RE $49.6M8%C&I $4.7M4%Consumer $2.5MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $65.0M23%Noninterest $19.1MQ2 2025Q2 2026

NIM

4.55%Q2 ’244.88%Q2 ’254.88%Q2 ’26+22%+2%

Non-interest income vs. expense

1.83%Q2 ’241.96%Q2 ’251.90%Q2 ’26+8%-3%

Executive Summary

  • Earnings: ROA of 1.33%, up 15 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.44%, down 98 bps from a year ago.
  • Funding: loans stand at 83.62% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.33%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.28%+8 bps YoY

Efficiency Ratio (YTD, annualized)

53.76%-272 bps YoY

Tier 1 Leverage Ratio

11.44%-98 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.18%1.23%1.24%1.28%1.33%+15 bps
Return on Equity10.62%10.93%10.95%11.33%11.92%+131 bps
Net Interest Margin3.21%3.16%3.14%3.37%3.28%+8 bps
Efficiency Ratio56.47%55.12%55.24%55.08%53.76%-272 bps
Non-Interest Burden1.70%1.62%1.62%1.74%1.65%-5 bps
Growth
Asset Growth (YoY)-0.74%3.59%5.33%9.46%10.73%+1,147 bps
Loan Growth (YoY)7.45%5.16%6.12%5.63%0.70%-675 bps
Deposit Growth (YoY)2.94%10.41%4.88%7.51%14.21%+1,127 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.09%1.09%1.05%1.07%1.08%-1 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio12.42%12.44%12.41%11.66%11.44%-98 bps
Total Risk-Based Capital12.42%12.44%12.41%11.66%11.44%-98 bps
Equity / Assets11.33%11.63%11.65%10.89%10.85%-48 bps
Liquidity & Funding
Loans / Deposits94.84%91.51%92.02%89.30%83.62%-1,122 bps
Liquid Assets / Assets2.78%5.28%4.91%7.42%7.14%+437 bps
CRE / Total Capitaln/a53.66%51.70%50.84%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

Janesville State Bank

Janesville, MN · Cert 10960 · Peer group: banks under $1B in assets in MN (n=111-113) · Janesville Holding Co.

State charter, non-member · FDIC · 1 branch

Q2 2026

$98.8MAssets
$70.3MLoans
$84.1MDeposits
$10.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in MN (rank 12 of 111).
  • Widest gap: total risk-based capital ratio trails 81% of banks under $1B in assets in MN (rank 91 of 113).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.29%

Rank 45 of 113

Net Interest Margin

3.28%

Rank 89 of 113

Efficiency Ratio

53.76%

Rank 28 of 113

Equity / Assets

10.85%

Rank 48 of 113

Non-interest income vs. expense

$0.2M$1.9MINCOMEEXPENSE
Unfavorable gap of $1.6M · efficiency ratio beats 76% of banks under $1B in assets in MN
Bank 53.76%Peer median 61.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.29%0.87%1.20%1.41%Beats 60%45 / 113
Return on Equity11.89%8.92%11.27%13.99%Beats 56%50 / 113
Net Interest Margin3.28%3.42%3.88%4.31%Beats 21%89 / 113
Efficiency Ratio53.76%54.13%61.48%69.86%Beats 76%28 / 113
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.58%1.82%Beats 100%12 / 111
Net Charge-Offs / Loans0.00%n/a0.00%0.04%Beats 100%36 / 111
Capital
Tier 1 Capital Ratio11.44%11.53%13.31%18.13%Beats 23%87 / 113
Total Risk-Based Capital Ratio11.44%12.12%14.43%19.39%Beats 19%91 / 113
Equity / Assets10.85%8.52%10.10%11.94%Beats 58%48 / 113
Liquidity & Funding
Loans / Deposits83.62%62.08%77.32%88.06%66th pctl38 / 111
Loans / Assets71.16%55.01%66.35%75.50%60th pctl45 / 113
Brokered Deposits / Depositsn/aNot reported for this institution