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Northern Interstate Bank, National Association

Norway, MI · Cert 13784 · Northern Interstate Finl Inc.

National charter · OCC · 5 branches

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

3

Q2 2024Q2 2026peer median (50)

Asset Quality

36

Q2 2024Q2 2026peer median (50)

Profitability

45

Q2 2024Q2 2026peer median (50)

Liquidity

5

Q2 2024Q2 2026peer median

Efficiency

43

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

Northern Interstate Bank, National Association

Norway, MI · Cert 13784 · Northern Interstate Finl Inc.

National charter · OCC · 5 branches

Q2 2026

$193.5MAssets
$81.8MLoans
$170.8MDeposits
$11.3MEquity
Loan mix
88%RE $71.6M7%C&I $5.3M5%Consumer $4.0MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $154.2M10%Noninterest $16.6MQ2 2025Q2 2026

NIM

3.58%Q2 ’243.70%Q2 ’253.91%Q2 ’26+5%+12%

Non-interest income vs. expense

2.23%Q2 ’242.14%Q2 ’252.21%Q2 ’26-4%+3%

Executive Summary

  • Earnings: ROA of 0.88%, up 21 bps year over year; NIM at 2.88%.
  • Asset quality: problem loans at 0.75% of loans (+42 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 9.36%, up 16 bps from a year ago.
  • Funding: loans stand at 47.90% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.88%+21 bps YoY

Net Interest Margin (YTD, annualized)

2.88%+31 bps YoY

Efficiency Ratio (YTD, annualized)

67.48%-513 bps YoY

Tier 1 Leverage Ratio

9.36%+16 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.68%0.73%0.70%0.83%0.88%+21 bps
Return on Equity13.69%14.17%13.33%14.40%15.30%+161 bps
Net Interest Margin2.57%2.61%2.66%2.85%2.88%+31 bps
Efficiency Ratio72.61%70.61%71.56%69.63%67.48%-513 bps
Non-Interest Burden1.76%1.73%1.78%1.87%1.81%+6 bps
Growth
Asset Growth (YoY)3.82%2.95%2.60%3.59%1.11%-271 bps
Loan Growth (YoY)6.52%4.13%3.98%7.58%9.48%+296 bps
Deposit Growth (YoY)9.30%9.48%4.67%5.31%-2.64%-1,194 bps
Asset Quality
Nonperforming Loans / Loans0.33%0.27%0.43%0.41%0.75%+42 bps
Net Charge-Offs / Loans-0.07%-0.05%-0.03%0.03%0.02%+9 bps
Allowance / Loans1.06%1.02%1.00%0.96%0.96%-10 bps
Allowance Coverage of NPLs3.3x3.8x2.3x2.3x1.3x-2.0x
Capital
Tier 1 Leverage Ratio9.20%9.23%9.30%9.29%9.36%+16 bps
Total Risk-Based Capital9.20%9.23%9.30%9.29%9.36%+16 bps
Equity / Assets5.02%5.64%5.85%5.63%5.85%+83 bps
Liquidity & Funding
Loans / Deposits42.60%44.44%46.78%46.15%47.90%+530 bps
Liquid Assets / Assets26.14%26.37%26.48%26.02%25.81%-33 bps
CRE / Total Capitaln/a134.43%133.41%143.39%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

Northern Interstate Bank, National Association

Norway, MI · Cert 13784 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Northern Interstate Finl Inc.

National charter · OCC · 5 branches

Q2 2026

$193.5MAssets
$81.8MLoans
$170.8MDeposits
$11.3MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 83% of banks under $1B in assets operating in a single state (rank 124 of 746).
  • Widest gap: equity / assets trails 98% of banks under $1B in assets operating in a single state (rank 731 of 746).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.88%

Rank 473 of 746

Net Interest Margin

2.88%

Rank 642 of 746

Efficiency Ratio

67.48%

Rank 428 of 746

Equity / Assets

5.85%

Rank 731 of 746

Non-interest income vs. expense

$0.8M$4.2MINCOMEEXPENSE
Unfavorable gap of $3.5M · efficiency ratio beats 43% of banks under $1B in assets operating in a single state
Bank 67.48%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.88%0.72%1.06%1.45%Beats 37%473 / 746
Return on Equity15.04%6.74%10.51%13.63%Beats 83%124 / 746
Net Interest Margin2.88%3.17%3.68%4.16%Beats 14%642 / 746
Efficiency Ratio67.48%55.74%64.58%75.47%Beats 43%428 / 746
Asset Quality
Nonperforming Loans / Loans0.75%0.09%0.42%1.07%Beats 35%486 / 743
Net Charge-Offs / Loans0.03%0.00%0.01%0.05%Beats 36%473 / 743
Capital
Tier 1 Capital Ratio9.36%11.55%13.75%17.60%Beats 3%727 / 746
Total Risk-Based Capital Ratio9.36%11.71%14.33%18.43%Beats 3%727 / 746
Equity / Assets5.85%8.90%10.51%13.06%Beats 2%731 / 746
Liquidity & Funding
Loans / Deposits47.90%61.31%78.27%90.78%11th pctl663 / 746
Loans / Assets42.29%53.60%66.97%76.08%12th pctl657 / 746
Brokered Deposits / Depositsn/aNot reported for this institution