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Citizens Alliance Bank

Clara City, MN · Cert 1402 · Forstrom Bcorp Inc.

State charter, non-member · FDIC · 17 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

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 $1B-$10B in assets operating regionally (n=176). 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

45

Q2 2024Q2 2026peer median (50)

Asset Quality

54

Q2 2024Q2 2026peer median (50)

Profitability

15

Q2 2024Q2 2026peer median (50)

Liquidity

60

Q2 2024Q2 2026peer median

Efficiency

23

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

Citizens Alliance Bank

Clara City, MN · Cert 1402 · Forstrom Bcorp Inc.

State charter, non-member · FDIC · 17 branches

Q2 2026

$1.4BAssets
$1.0BLoans
$1.2BDeposits
$142.1MEquity
Loan mix
85%RE $708.1M14%C&I $113.6M1%Consumer $8.7MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $930.6M24%Noninterest $290.6MQ2 2025Q2 2026

NIM

5.15%Q2 ’245.40%Q2 ’255.32%Q2 ’26+6%-5%

Non-interest income vs. expense

2.58%Q2 ’242.60%Q2 ’252.70%Q2 ’26-6%+9%

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.0% share · #87 of 125 inst. · $0.1B of $253.2B

53.5% Yellow Medicine
52.4% Chippewa
4.9% Cascade
100.0% Granite

Executive Summary

  • Earnings: ROA of 0.20%, down 88 bps year over year; NIM at 3.44%.
  • Asset quality: problem loans at 1.48% of loans (+96 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.81%, up 74 bps from a year ago.
  • Funding: loans stand at 82.91% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.20%-88 bps YoY

Net Interest Margin (YTD, annualized)

3.44%-19 bps YoY

Efficiency Ratio (YTD, annualized)

65.55%+726 bps YoY

Tier 1 Leverage Ratio

9.81%+74 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.07%1.02%0.96%-0.82%0.20%-88 bps
Return on Equity12.66%11.60%10.61%-8.32%2.00%-1,066 bps
Net Interest Margin3.63%3.60%3.52%3.37%3.44%-19 bps
Efficiency Ratio58.29%61.14%63.86%66.33%65.55%+726 bps
Non-Interest Burden2.00%2.11%2.18%2.14%2.17%+17 bps
Growth
Asset Growth (YoY)-4.56%-3.18%-3.64%-8.43%-3.29%+127 bps
Loan Growth (YoY)3.38%3.73%4.16%1.88%4.04%+66 bps
Deposit Growth (YoY)-2.41%-8.40%-4.79%-10.18%-5.71%-330 bps
Asset Quality
Nonperforming Loans / Loans0.52%0.97%0.11%0.62%1.48%+96 bps
Net Charge-Offs / Loans0.03%0.02%0.01%0.00%0.00%-3 bps
Allowance / Loans1.11%1.11%1.09%1.15%1.12%+1 bps
Allowance Coverage of NPLs2.1x1.1x10.2x1.9x0.8x-1.4x
Capital
Tier 1 Leverage Ratio9.08%9.75%9.92%9.63%9.81%+74 bps
Total Risk-Based Capital13.70%13.86%14.05%13.95%13.60%-10 bps
Equity / Assets9.02%9.74%9.91%9.81%9.89%+87 bps
Liquidity & Funding
Loans / Deposits75.14%81.47%77.59%78.12%82.91%+777 bps
Liquid Assets / Assets6.69%4.73%5.70%5.84%3.09%-360 bps
CRE / Total Capitaln/a288%287%299%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

Citizens Alliance Bank

Clara City, MN · Cert 1402 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Forstrom Bcorp Inc.

State charter, non-member · FDIC · 17 branches

Q2 2026

$1.4BAssets
$1.0BLoans
$1.2BDeposits
$142.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 89% of banks $1B-$10B in assets operating regionally (rank 21 of 176).
  • Widest gap: return on equity trails 98% of banks $1B-$10B in assets operating regionally (rank 172 of 176).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.20%

Rank 172 of 176

Net Interest Margin

3.44%

Rank 102 of 176

Efficiency Ratio

68.61%

Rank 136 of 176

Equity / Assets

9.89%

Rank 105 of 176

Non-interest income vs. expense

$7.7M$39.1MINCOMEEXPENSE
Unfavorable gap of $31.4M · efficiency ratio beats 23% of banks $1B-$10B in assets operating regionally
Bank 68.61%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.20%0.93%1.26%1.54%Beats 2%172 / 176
Return on Equity2.02%9.26%11.89%14.46%Beats 2%172 / 176
Net Interest Margin3.44%3.25%3.59%3.93%Beats 42%102 / 176
Efficiency Ratio68.61%52.79%59.55%67.66%Beats 23%136 / 176
Asset Quality
Nonperforming Loans / Loans1.48%0.30%0.64%1.32%Beats 18%146 / 176
Net Charge-Offs / Loans0.00%0.01%0.04%0.10%Beats 89%21 / 176
Capital
Tier 1 Capital Ratio12.58%11.15%12.72%14.15%Beats 47%94 / 176
Total Risk-Based Capital Ratio13.60%11.81%13.63%15.33%Beats 49%90 / 176
Equity / Assets9.89%9.16%10.35%11.80%Beats 40%105 / 176
Liquidity & Funding
Loans / Deposits82.91%80.94%89.73%97.21%30th pctl123 / 176
Loans / Assets70.50%69.25%75.12%80.82%29th pctl125 / 176
Brokered Deposits / Depositsn/aNot reported for this institution