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Trucommunity Bank

Garrison, ND · Cert 15306 · McLean Bank Holding Co.

State charter, non-member · FDIC · 4 branches

Q2 2026

$338.2MAssets
$222.0MLoans
$282.3MDeposits
$32.6MEquity
Loan mix
74%RE $109.7M15%C&I $22.9M10%Consumer $15.4MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $224.5M20%Noninterest $57.8MQ2 2025Q2 2026

NIM

4.80%Q2 ’245.03%Q2 ’255.18%Q2 ’26+8%+6%

Non-interest income vs. expense

2.27%Q2 ’242.45%Q2 ’252.66%Q2 ’26+10%+8%

Executive Summary

  • Earnings: ROA of 1.41%, up 6 bps year over year; NIM at 4.10%.
  • Asset quality: problem loans at 2.18% of loans (+78 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.06%, up 19 bps from a year ago.
  • Funding: loans stand at 78.62% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.41%+6 bps YoY

Net Interest Margin (YTD, annualized)

4.10%+24 bps YoY

Efficiency Ratio (YTD, annualized)

59.97%+104 bps YoY

Tier 1 Leverage Ratio

11.06%+19 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.35%1.38%1.37%1.29%1.41%+6 bps
Return on Equity14.97%15.11%14.74%13.11%14.40%-57 bps
Net Interest Margin3.85%3.82%3.87%4.03%4.10%+24 bps
Efficiency Ratio58.93%58.39%59.02%63.83%59.97%+104 bps
Non-Interest Burden2.15%2.11%2.16%2.45%2.32%+17 bps
Growth
Asset Growth (YoY)4.07%2.21%6.84%0.64%3.80%-26 bps
Loan Growth (YoY)5.63%5.63%5.32%1.91%0.48%-515 bps
Deposit Growth (YoY)0.13%0.55%3.45%-0.37%3.14%+301 bps
Asset Quality
Nonperforming Loans / Loans1.40%0.65%0.81%1.20%2.18%+78 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.01%0.00%-1 bps
Allowance / Loans1.42%1.39%1.45%1.52%1.40%-1 bps
Allowance Coverage of NPLs1.0x2.1x1.8x1.3x0.6x-0.4x
Capital
Tier 1 Leverage Ratio10.86%10.68%10.77%10.92%11.06%+19 bps
Total Risk-Based Capital10.86%10.68%10.77%10.92%11.06%+19 bps
Equity / Assets9.13%9.51%9.77%9.92%9.65%+52 bps
Liquidity & Funding
Loans / Deposits80.70%83.39%77.91%71.36%78.62%-208 bps
Liquid Assets / Assets1.47%1.39%1.34%1.46%1.02%-45 bps
CRE / Total Capitaln/a62.71%60.30%58.84%n/an/a