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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

3.34%Q2 ’243.50%Q2 ’253.59%Q2 ’26+4%+5%

Non-interest income vs. expense

2.04%Q2 ’242.02%Q2 ’251.93%Q2 ’26-1%-5%

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

Executive Summary

  • Earnings: ROA of 0.28%, up 15 bps year over year; NIM at 2.08%.
  • 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 (quarter, annualized)

0.28%+15 bps YoY

Net Interest Margin (quarter, annualized)

2.08%+11 bps YoY

Efficiency Ratio (quarter, annualized)

86.17%-856 bps YoY

Tier 1 Leverage Ratio

9.73%-52 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.14%0.08%0.03%0.00%0.28%+15 bps
Return on Equity2.03%1.08%0.45%0.00%4.02%+199 bps
Net Interest Margin1.97%1.97%1.93%1.87%2.08%+11 bps
Efficiency Ratio94.73%98.68%99.12%103.46%86.17%-856 bps
Non-Interest Burden1.86%1.94%1.91%1.94%1.77%-9 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