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Randall State Bank

Randall, MN · Cert 10969 · Security St Agency Aitkin Inc.

State charter, non-member · FDIC · 2 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

39

Q2 2024Q2 2026peer median (50)

Asset Quality

11

Q2 2024Q2 2026peer median (50)

Profitability

53

Q2 2024Q2 2026peer median (50)

Liquidity

13

Q2 2024Q2 2026peer median

Efficiency

38

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

Randall State Bank

Randall, MN · Cert 10969 · Security St Agency Aitkin Inc.

State charter, non-member · FDIC · 1 affiliate bank · 2 branches (6 in holding)

Q2 2026

$76.4MAssets
$61.7MLoans
$63.2MDeposits
$13.0MEquity
Loan mix
92%RE $53.1M5%C&I $2.9M3%Consumer $1.9MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $46.4M27%Noninterest $16.9MQ2 2025Q2 2026

NIM

6.07%Q2 ’246.83%Q2 ’256.50%Q2 ’26+14%+3%

Non-interest income vs. expense

3.10%Q2 ’243.68%Q2 ’253.41%Q2 ’26+21%-8%

Executive Summary

  • Earnings: ROA of 1.18%, up 11 bps year over year; NIM at 5.57%.
  • Asset quality: problem loans at 2.30% of loans (-24 bps YoY), with net charge-offs at 0.75%.
  • Capital: tier 1 leverage ratio of 10.73%, up 30 bps from a year ago.
  • Funding: loans stand at 97.60% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.18%+11 bps YoY

Net Interest Margin (YTD, annualized)

5.57%+16 bps YoY

Efficiency Ratio (YTD, annualized)

62.37%-500 bps YoY

Tier 1 Leverage Ratio

10.73%+30 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.07%1.22%0.27%1.42%1.18%+11 bps
Return on Equity10.52%12.58%2.39%8.40%6.98%-354 bps
Net Interest Margin5.41%5.13%1.57%5.64%5.57%+16 bps
Efficiency Ratio67.37%64.42%55.90%63.11%62.37%-500 bps
Non-Interest Burden3.63%3.30%0.84%3.43%3.35%-29 bps
Growth
Asset Growth (YoY)1.55%26.33%21.68%24.17%28.11%+2,656 bps
Loan Growth (YoY)2.41%14.40%18.52%21.76%27.67%+2,526 bps
Deposit Growth (YoY)0.85%28.55%12.25%14.82%18.67%+1,782 bps
Asset Quality
Nonperforming Loans / Loans2.54%2.12%2.47%3.16%2.30%-24 bps
Net Charge-Offs / Loans0.05%0.03%0.10%-0.02%0.75%+70 bps
Allowance / Loans1.15%1.15%1.33%1.26%1.04%-10 bps
Allowance Coverage of NPLs0.5x0.5x0.5x0.4x0.5x0.0x
Capital
Tier 1 Leverage Ratio10.43%9.80%10.34%10.34%10.73%+30 bps
Total Risk-Based Capital10.43%9.80%10.34%10.34%10.73%+30 bps
Equity / Assets10.31%8.57%17.21%16.55%16.97%+667 bps
Liquidity & Funding
Loans / Deposits90.71%76.82%94.23%94.11%97.60%+688 bps
Liquid Assets / Assets4.77%4.13%4.01%3.80%3.40%-137 bps
CRE / Total Capitaln/a259%273%289%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

Randall State Bank

Randall, MN · Cert 10969 · Peer group: banks under $1B in assets in MN (n=111-113) · Security St Agency Aitkin Inc.

State charter, non-member · FDIC · 1 affiliate bank · 2 branches (6 in holding)

Q2 2026

$76.4MAssets
$61.7MLoans
$63.2MDeposits
$13.0MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 98% of banks under $1B in assets in MN (rank 2 of 113).
  • Widest gap: net charge-offs / loans trails 93% of banks under $1B in assets in MN (rank 104 of 111).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.14%

Rank 61 of 113

Net Interest Margin

5.57%

Rank 2 of 113

Efficiency Ratio

65.08%

Rank 71 of 113

Equity / Assets

16.97%

Rank 7 of 113

Non-interest income vs. expense

$0.1M$2.6MINCOMEEXPENSE
Unfavorable gap of $2.5M · efficiency ratio beats 38% of banks under $1B in assets in MN
Bank 65.08%Peer median 61.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.14%0.87%1.20%1.41%Beats 46%61 / 113
Return on Equity6.75%8.92%11.27%13.99%Beats 16%95 / 113
Net Interest Margin5.57%3.42%3.88%4.31%Beats 98%2 / 113
Efficiency Ratio65.08%54.13%61.48%69.86%Beats 38%71 / 113
Asset Quality
Nonperforming Loans / Loans2.30%0.09%0.58%1.82%Beats 14%96 / 111
Net Charge-Offs / Loans0.38%n/a0.00%0.04%Beats 7%104 / 111
Capital
Tier 1 Capital Ratio10.73%11.53%13.31%18.13%Beats 12%99 / 113
Total Risk-Based Capital Ratio10.73%12.12%14.43%19.39%Beats 11%101 / 113
Equity / Assets16.97%8.52%10.10%11.94%Beats 94%7 / 113
Liquidity & Funding
Loans / Deposits97.60%62.08%77.32%88.06%86th pctl15 / 111
Loans / Assets80.82%55.01%66.35%75.50%83rd pctl19 / 113
Brokered Deposits / Depositsn/aNot reported for this institution