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North Star Bank

Roseville, MN · Cert 16733

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area3

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 in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53). 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

33

Q2 2024Q2 2026peer median (50)

Asset Quality

21

Q2 2024Q2 2026peer median (50)

Profitability

51

Q2 2024Q2 2026peer median (50)

Liquidity

65

Q2 2024Q2 2026peer median

Efficiency

58

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

North Star Bank

Roseville, MN · Cert 16733

State charter, non-member · FDIC · 2 branches

Q2 2026

$378.7MAssets
$245.8MLoans
$340.8MDeposits
$36.4MEquity
Loan mix
79%RE $194.0M20%C&I $50.2M0%Consumer $1.2MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $293.8M14%Noninterest $47.0MQ2 2025Q2 2026

NIM

4.90%Q2 ’245.15%Q2 ’255.35%Q2 ’26+8%+11%

Non-interest income vs. expense

2.65%Q2 ’242.51%Q2 ’252.47%Q2 ’26-39%+49%

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.1% share · #46 of 125 inst. · $0.3B of $253.2B

Executive Summary

  • Earnings: ROA of 1.13%, up 26 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 0.94% of loans (+94 bps YoY), with net charge-offs at 0.87%.
  • Capital: tier 1 leverage ratio of 11.00%, up 73 bps from a year ago.
  • Funding: loans stand at 72.13% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.13%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.70%+36 bps YoY

Efficiency Ratio (YTD, annualized)

62.39%+489 bps YoY

Tier 1 Leverage Ratio

11.00%+73 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.87%0.91%0.87%1.20%1.13%+26 bps
Return on Equity11.14%11.44%10.81%13.62%12.47%+133 bps
Net Interest Margin3.34%3.36%3.25%3.61%3.70%+36 bps
Efficiency Ratio57.50%59.47%61.71%59.35%62.39%+489 bps
Non-Interest Burden1.48%1.69%1.77%2.04%2.21%+72 bps
Growth
Asset Growth (YoY)3.33%2.34%7.99%3.59%-1.64%-497 bps
Loan Growth (YoY)1.75%0.76%-2.46%-3.53%-6.32%-807 bps
Deposit Growth (YoY)2.58%2.02%7.39%2.26%-3.05%-562 bps
Asset Quality
Nonperforming Loans / Loans0.00%1.81%1.40%1.39%0.94%+94 bps
Net Charge-Offs / Loans0.02%0.01%0.43%-0.08%0.87%+85 bps
Allowance / Loans1.76%1.82%1.52%1.56%1.13%-63 bps
Allowance Coverage of NPLsn/a1.0x1.1x1.1x1.2xn/a
Capital
Tier 1 Leverage Ratio10.27%10.35%10.04%10.53%11.00%+73 bps
Total Risk-Based Capital10.27%10.35%10.04%10.53%11.00%+73 bps
Equity / Assets8.12%8.41%8.57%9.02%9.60%+148 bps
Liquidity & Funding
Loans / Deposits74.65%70.07%67.80%69.95%72.13%-252 bps
Liquid Assets / Assets8.90%14.94%15.68%12.81%10.07%+117 bps
CRE / Total Capitaln/a423%412%402%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

North Star Bank

Roseville, MN · Cert 16733 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53)

State charter, non-member · FDIC · 2 branches

Q2 2026

$378.7MAssets
$245.8MLoans
$340.8MDeposits
$36.4MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 62% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 20 of 53).
  • Widest gap: net charge-offs / loans trails 91% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 49 of 53).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.17%

Rank 20 of 53

Net Interest Margin

3.70%

Rank 30 of 53

Efficiency Ratio

62.39%

Rank 23 of 53

Equity / Assets

9.60%

Rank 26 of 53

Non-interest income vs. expense

$1.0M$9.5MINCOMEEXPENSE
Unfavorable gap of $8.5M · efficiency ratio beats 58% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area
Bank 62.39%Peer median 65.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.17%0.73%1.11%1.30%Beats 62%20 / 53
Return on Equity12.20%7.88%12.20%14.12%Beats 49%27 / 53
Net Interest Margin3.70%3.39%3.77%4.09%Beats 43%30 / 53
Efficiency Ratio62.39%56.05%65.05%71.57%Beats 58%23 / 53
Asset Quality
Nonperforming Loans / Loans0.94%0.14%0.52%1.20%Beats 32%37 / 53
Net Charge-Offs / Loans0.47%0.00%0.01%0.08%Beats 9%49 / 53
Capital
Tier 1 Capital Ratio11.00%10.73%12.98%15.08%Beats 30%37 / 53
Total Risk-Based Capital Ratio11.00%11.49%13.79%16.34%Beats 17%44 / 53
Equity / Assets9.60%8.08%9.25%10.72%Beats 51%26 / 53
Liquidity & Funding
Loans / Deposits72.13%72.13%82.29%93.80%25th pctl40 / 53
Loans / Assets64.91%63.64%71.80%79.37%28th pctl38 / 53
Brokered Deposits / Depositsn/aNot reported for this institution