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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