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Highland Bank

Saint Paul, MN · Cert 16111 · Highland Bancshares Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

$775.9MAssets
$563.2MLoans
$684.4MDeposits
$57.1MEquity
Loan mix
74%RE $409.9M26%C&I $141.1M0%Consumer $0.4MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $512.9M25%Noninterest $171.5MQ2 2025Q2 2026

NIM

5.54%Q2 ’245.53%Q2 ’255.61%Q2 ’26+7%+4%

Non-interest income vs. expense

2.93%Q2 ’243.03%Q2 ’253.02%Q2 ’26+1%+2%

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.3% share · #27 of 125 inst. · $0.6B of $253.2B

0.2% Hennepin
0.3% Ramsey
2.8% Wright
0.9% St. Louis

Executive Summary

  • Earnings: ROA of -0.21%, down 21 bps year over year; NIM at 3.84%.
  • Asset quality: problem loans at 2.51% of loans (+61 bps YoY), with net charge-offs at 1.45%.
  • Capital: tier 1 leverage ratio of 8.58%, down 6 bps from a year ago.
  • Funding: loans stand at 82.29% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-0.21%-21 bps YoY

Net Interest Margin (quarter, annualized)

3.84%+13 bps YoY

Efficiency Ratio (quarter, annualized)

72.89%-144 bps YoY

Tier 1 Leverage Ratio

8.58%-6 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.01%0.50%-1.38%0.23%-0.21%-21 bps
Return on Equity-0.08%6.78%-18.35%3.11%-2.86%-278 bps
Net Interest Margin3.71%3.88%3.79%3.70%3.84%+13 bps
Efficiency Ratio74.33%72.94%61.53%75.76%72.89%-144 bps
Non-Interest Burden2.69%2.77%2.24%2.78%2.75%+6 bps
Growth
Asset Growth (YoY)2.53%-1.04%0.58%-2.96%-0.30%-283 bps
Loan Growth (YoY)2.02%3.10%0.70%-0.11%0.83%-119 bps
Deposit Growth (YoY)0.18%1.30%0.81%-2.63%4.43%+425 bps
Asset Quality
Nonperforming Loans / Loans1.90%1.90%1.11%1.12%2.51%+61 bps
Net Charge-Offs / Loans0.02%0.48%3.28%0.13%1.45%+142 bps
Allowance / Loans2.01%2.06%2.33%2.50%2.53%+52 bps
Allowance Coverage of NPLs1.1x1.1x2.1x2.2x1.0x-0.1x
Capital
Tier 1 Leverage Ratio8.64%8.70%8.43%8.65%8.58%-6 bps
Total Risk-Based Capital11.53%11.11%11.70%11.52%11.36%-16 bps
Equity / Assets7.23%7.55%7.50%7.44%7.36%+13 bps
Liquidity & Funding
Loans / Deposits85.22%83.40%82.92%82.26%82.29%-293 bps
Liquid Assets / Assets0.20%1.00%1.19%1.72%0.90%+70 bps
CRE / Total Capitaln/a440%437%432%n/an/a