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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 $0.1MQ3 2024Q2 2026
Deposit mix
90%Interest-bearing $72.8M10%Noninterest $7.7MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.05%0.02%0.00%0.07%0.07%0.06%0.00%0.14%+7 bps
Return on Equity0.80%0.30%0.08%1.09%1.09%0.92%0.00%2.00%+91 bps
Net Interest Margin1.91%1.92%1.89%1.92%1.95%1.92%1.87%1.98%+6 bps
Efficiency Ratio102.94%103.00%102.97%98.77%98.74%98.83%103.46%94.42%-435 bps
Non-Interest Burden1.97%1.99%1.95%1.90%1.92%1.89%1.94%1.86%-4 bps
Growth
Asset Growth (YoY)-4.77%-4.27%-2.86%-0.21%1.31%4.99%7.30%4.86%+507 bps
Loan Growth (YoY)-0.06%-0.26%-0.56%-6.25%-5.34%-7.04%-11.20%-6.31%-6 bps
Deposit Growth (YoY)-7.47%-4.73%-3.94%-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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.80%0.81%0.82%0.83%0.85%0.87%0.93%0.88%+6 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.21%10.31%10.28%10.24%10.37%10.17%9.63%9.73%-52 bps
Total Risk-Based Capital19.72%20.16%20.03%20.21%20.70%20.22%20.56%20.11%-10 bps
Equity / Assets7.14%6.01%6.55%6.83%7.54%7.33%7.00%7.10%+27 bps
Liquidity & Funding
Loans / Deposits41.45%40.11%39.62%39.23%38.90%36.01%32.93%35.14%-409 bps
Liquid Assets / Assets4.05%5.50%6.66%6.54%5.49%8.94%11.82%11.36%+481 bps
CRE / Total Capitaln/an/an/an/a43.66%39.65%39.23%n/an/a