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Root River State Bank

Chatfield, MN · Cert 1098 · Johnson Bancshares Inc.

State charter, Fed member · FED · 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 operating in a single state3

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 operating in a single state (n=743 to 746). 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

57

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

5

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

5

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

Root River State Bank

Chatfield, MN · Cert 1098 · Johnson Bancshares Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$86.8MAssets
$28.3MLoans
$80.4MDeposits
$6.2MEquity
Loan mix
87%RE $19.4M12%C&I $2.7M1%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $72.8M10%Noninterest $7.7MQ2 2025Q2 2026

NIM

3.32%Q2 ’243.43%Q2 ’253.51%Q2 ’26+3%+3%

Non-interest income vs. expense

2.08%Q2 ’242.07%Q2 ’252.03%Q2 ’26-1%-2%

Market Position · Rochester, MN · 2026 SOD (annual) · 1.1% share · #22 of 34 inst. · $0.1B of $7.6B

Executive Summary

  • Earnings: ROA of 0.14%, up 7 bps year over year; NIM at 1.98%.
  • 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 9.73%, down 52 bps from a year ago.
  • Funding: loans stand at 35.14% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.14%+7 bps YoY

Net Interest Margin (YTD, annualized)

1.98%+6 bps YoY

Efficiency Ratio (YTD, annualized)

94.42%-435 bps YoY

Tier 1 Leverage Ratio

9.73%-52 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.07%0.07%0.06%0.00%0.14%+7 bps
Return on Equity1.09%1.09%0.92%0.00%2.00%+91 bps
Net Interest Margin1.92%1.95%1.92%1.87%1.98%+6 bps
Efficiency Ratio98.77%98.74%98.83%103.46%94.42%-435 bps
Non-Interest Burden1.90%1.92%1.89%1.94%1.86%-4 bps
Growth
Asset Growth (YoY)-0.21%1.31%4.99%7.30%4.86%+507 bps
Loan Growth (YoY)-6.25%-5.34%-7.04%-11.20%-6.31%-6 bps
Deposit Growth (YoY)-1.32%0.87%3.52%6.81%4.60%+592 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 / Loans0.83%0.85%0.87%0.93%0.88%+6 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.24%10.37%10.17%9.63%9.73%-52 bps
Total Risk-Based Capital20.21%20.70%20.22%20.56%20.11%-10 bps
Equity / Assets6.83%7.54%7.33%7.00%7.10%+27 bps
Liquidity & Funding
Loans / Deposits39.23%38.90%36.01%32.93%35.14%-409 bps
Liquid Assets / Assets6.54%5.49%8.94%11.82%11.36%+481 bps
CRE / Total Capitaln/a43.66%39.65%39.23%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

Root River State Bank

Chatfield, MN · Cert 1098 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Johnson Bancshares Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$86.8MAssets
$28.3MLoans
$80.4MDeposits
$6.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
  • Widest gap: net interest margin trails 98% of banks under $1B in assets operating in a single state (rank 728 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.14%

Rank 704 of 746

Net Interest Margin

1.98%

Rank 728 of 746

Efficiency Ratio

94.42%

Rank 713 of 746

Equity / Assets

7.10%

Rank 693 of 746

Non-interest income vs. expense

$0.1M$1.8MINCOMEEXPENSE
Unfavorable gap of $1.7M · efficiency ratio beats 5% of banks under $1B in assets operating in a single state
Bank 94.42%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.14%0.72%1.06%1.45%Beats 6%704 / 746
Return on Equity2.01%6.74%10.51%13.63%Beats 8%683 / 746
Net Interest Margin1.98%3.17%3.68%4.16%Beats 2%728 / 746
Efficiency Ratio94.42%55.74%64.58%75.47%Beats 5%713 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 100%105 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio19.54%11.55%13.75%17.60%Beats 82%138 / 746
Total Risk-Based Capital Ratio20.11%11.71%14.33%18.43%Beats 81%141 / 746
Equity / Assets7.10%8.90%10.51%13.06%Beats 7%693 / 746
Liquidity & Funding
Loans / Deposits35.14%61.31%78.27%90.78%3rd pctl722 / 746
Loans / Assets32.58%53.60%66.97%76.08%4th pctl716 / 746
Brokered Deposits / Depositsn/aNot reported for this institution