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Bremer Bank, National Association

South Saint Paul, MN · Cert 12923

FDIC · 71 branches

Q1 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q1 2025, the quarter ended March 31, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=157). 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

19

Q2 2024Q1 2025peer median (50)

Asset Quality

30

Q2 2024Q1 2025peer median (50)

Profitability

43

Q2 2024Q1 2025peer median (50)

Liquidity

64

Q2 2024Q1 2025peer median

Efficiency

22

Q2 2024Q1 2025peer 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

Bremer Bank, National Association

South Saint Paul, MN · Cert 12923

FDIC · 71 branches

Q1 2025

$16.4BAssets
$11.8BLoans
$13.3BDeposits
$1.4BEquity
Loan mix
75%RE $6.3B24%C&I $2.0B1%Consumer $0.1BQ1 2024Q1 2025
Deposit mix
71%Interest-bearing $9.5B29%Noninterest $3.8BQ1 2024Q1 2025

NIM

4.05%Q1 ’234.66%Q1 ’244.69%Q1 ’25-15%+7%

Non-interest income vs. expense

2.13%Q1 ’232.28%Q1 ’242.19%Q1 ’25+9%-4%

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2024 SOD (annual) · 2.2% share · #7 of 132 inst. · $5.5B of $248.4B

1.6% Hennepin
2.2% Ramsey
9.7% Dakota
12.0% Stearns

Executive Summary

  • Earnings: ROA of 0.85%, up 19 bps year over year; NIM at 2.75%.
  • Asset quality: problem loans at 0.83% of loans (+27 bps YoY), with net charge-offs at 0.51%.
  • Capital: tier 1 leverage ratio of 9.46%, up 26 bps from a year ago.
  • Funding: loans stand at 88.43% of deposits as of Q1 2025.

Financial Results

Return on Assets (YTD, annualized)

0.85%+19 bps YoY

Net Interest Margin (YTD, annualized)

2.75%+19 bps YoY

Efficiency Ratio (YTD, annualized)

65.54%-651 bps YoY

Tier 1 Leverage Ratio

9.46%+26 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets0.66%0.69%0.83%0.27%0.85%+19 bps
Return on Equity7.85%8.31%9.82%3.23%10.48%+263 bps
Net Interest Margin2.57%2.58%2.59%2.61%2.75%+19 bps
Efficiency Ratio72.06%71.74%64.83%65.15%65.54%-651 bps
Non-Interest Burden1.68%1.68%1.40%2.09%1.61%-7 bps
Growth
Asset Growth (YoY)2.12%0.16%-0.72%0.46%1.97%-16 bps
Loan Growth (YoY)7.37%3.53%0.99%2.69%1.86%-552 bps
Deposit Growth (YoY)-1.09%1.22%3.57%1.65%2.42%+351 bps
Asset Quality
Nonperforming Loans / Loans0.57%0.51%0.47%0.61%0.83%+27 bps
Net Charge-Offs / Loans-0.01%0.05%0.16%0.12%0.51%+52 bps
Allowance / Loans0.92%0.90%0.92%1.00%0.92%0 bps
Allowance Coverage of NPLs1.6x1.8x2.0x1.7x1.1x-0.5x
Capital
Tier 1 Leverage Ratio9.20%9.21%9.30%9.27%9.46%+26 bps
Total Risk-Based Capital12.75%12.91%13.24%13.05%13.24%+49 bps
Equity / Assets8.34%8.32%8.81%7.93%8.26%-8 bps
Liquidity & Funding
Loans / Deposits88.91%90.46%85.77%88.35%88.43%-49 bps
Liquid Assets / Assets13.87%13.28%12.85%12.44%11.97%-190 bps
CRE / Total Capitaln/an/an/an/an/an/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

Bremer Bank, National Association

South Saint Paul, MN · Cert 12923 · Peer group: banks over $10B in assets (n=157)

FDIC · 71 branches

Q1 2025

$16.4BAssets
$11.8BLoans
$13.3BDeposits
$1.4BEquity

Executive Summary

  • Strongest standing: return on equity outperforms 60% of banks over $10B in assets (rank 63 of 157).
  • Widest gap: equity / assets trails 88% of banks over $10B in assets (rank 138 of 157).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.85%

Rank 100 of 157

Net Interest Margin

2.75%

Rank 106 of 157

Efficiency Ratio

65.54%

Rank 124 of 157

Equity / Assets

8.26%

Rank 138 of 157

Non-interest income vs. expense

$94.8M$361.3MINCOMEEXPENSE
Unfavorable gap of $266.5M · efficiency ratio beats 22% of banks over $10B in assets
Bank 65.54%Peer median 58.2%Q2 2024Q1 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.85%0.71%1.05%1.30%Beats 36%100 / 157
Return on Equity10.26%6.37%9.49%11.74%Beats 60%63 / 157
Net Interest Margin2.75%2.63%3.00%3.32%Beats 32%106 / 157
Efficiency Ratio65.54%50.94%58.20%64.54%Beats 22%124 / 157
Asset Quality
Nonperforming Loans / Loans0.83%0.43%0.71%1.09%Beats 38%99 / 157
Net Charge-Offs / Loans0.14%0.02%0.06%0.12%Beats 22%123 / 157
Capital
Tier 1 Capital Ratio12.36%12.27%13.30%15.69%Beats 28%113 / 157
Total Risk-Based Capital Ratio13.24%13.53%14.45%16.90%Beats 17%131 / 157
Equity / Assets8.26%9.44%11.03%12.72%Beats 12%138 / 157
Liquidity & Funding
Loans / Deposits88.43%73.81%83.13%89.67%68th pctl50 / 157
Loans / Assets71.76%58.69%68.04%73.57%66th pctl53 / 157
Brokered Deposits / Depositsn/aNot reported for this institution