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Bank of Tioga, The

Tioga, ND · Cert 17280 · TS Banking Group Inc.

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 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

42

Q2 2024Q2 2026peer median (50)

Asset Quality

24

Q2 2024Q2 2026peer median (50)

Profitability

57

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

91

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

Bank of Tioga, The

Tioga, ND · Cert 17280 · TS Banking Group Inc.

State charter, non-member · FDIC · 2 affiliate banks · 2 branches (13 in holding)

Q2 2026

$412.1MAssets
$136.1MLoans
$396.6MDeposits
$8.6MEquity
Loan mix
72%RE $70.2M23%C&I $22.7M4%Consumer $4.1MQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $361.8M9%Noninterest $34.8MQ2 2025Q2 2026

NIM

4.30%Q2 ’244.36%Q2 ’254.44%Q2 ’26+2%+8%

Non-interest income vs. expense

1.57%Q2 ’241.52%Q2 ’251.72%Q2 ’26+442%-83%

Executive Summary

  • Earnings: ROA of 1.32%, up 109 bps year over year; NIM at 2.21%.
  • Asset quality: problem loans at 1.15% of loans (+69 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 9.39%, up 192 bps from a year ago.
  • Funding: loans stand at 34.32% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.32%+109 bps YoY

Net Interest Margin (YTD, annualized)

2.21%+16 bps YoY

Efficiency Ratio (YTD, annualized)

46.80%-2,599 bps YoY

Tier 1 Leverage Ratio

9.39%+192 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.24%0.69%0.61%2.62%1.32%+109 bps
Return on Equity-4549%430%198.71%194.71%83.08%+463,233 bps
Net Interest Margin2.05%2.18%2.22%2.18%2.21%+16 bps
Efficiency Ratio72.79%59.84%60.80%31.58%46.80%-2,599 bps
Non-Interest Burden1.48%1.12%1.19%-1.43%0.25%-122 bps
Growth
Asset Growth (YoY)6.26%-3.32%-8.77%-4.89%-3.99%-1,026 bps
Loan Growth (YoY)6.82%12.86%10.68%18.37%18.12%+1,129 bps
Deposit Growth (YoY)3.42%-4.17%-9.49%-7.75%-4.36%-778 bps
Asset Quality
Nonperforming Loans / Loans0.46%1.05%0.00%1.28%1.15%+69 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.20%0.09%+9 bps
Allowance / Loans0.94%0.98%1.00%0.95%0.89%-5 bps
Allowance Coverage of NPLs2.1x0.9xn/a0.7x0.8x-1.3x
Capital
Tier 1 Leverage Ratio7.47%8.22%8.55%9.34%9.39%+192 bps
Total Risk-Based Capital14.45%14.81%15.80%16.15%15.89%+144 bps
Equity / Assets-0.10%0.68%0.95%1.72%2.08%+218 bps
Liquidity & Funding
Loans / Deposits27.79%30.70%30.74%30.95%34.32%+653 bps
Liquid Assets / Assets31.49%32.25%34.10%32.27%32.30%+80 bps
CRE / Total Capitaln/a48.30%51.24%65.67%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

Bank of Tioga, The

Tioga, ND · Cert 17280 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · TS Banking Group Inc.

State charter, non-member · FDIC · 2 affiliate banks · 2 branches (13 in holding)

Q2 2026

$412.1MAssets
$136.1MLoans
$396.6MDeposits
$8.6MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 100% of banks under $1B in assets operating in a single state (rank 2 of 746).
  • Widest gap: equity / assets trails 100% of banks under $1B in assets operating in a single state (rank 745 of 746).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.31%

Rank 244 of 746

Net Interest Margin

2.21%

Rank 716 of 746

Efficiency Ratio

46.80%

Rank 69 of 746

Equity / Assets

2.08%

Rank 745 of 746

Non-interest income vs. expense

$5.9M$7.0MINCOMEEXPENSE
Unfavorable gap of $1.0M · efficiency ratio beats 91% of banks under $1B in assets operating in a single state
Bank 46.80%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.31%0.72%1.06%1.45%Beats 67%244 / 746
Return on Equity62.73%6.74%10.51%13.63%Beats 100%2 / 746
Net Interest Margin2.21%3.17%3.68%4.16%Beats 4%716 / 746
Efficiency Ratio46.80%55.74%64.58%75.47%Beats 91%69 / 746
Asset Quality
Nonperforming Loans / Loans1.15%0.09%0.42%1.07%Beats 23%572 / 743
Net Charge-Offs / Loans0.05%0.00%0.01%0.05%Beats 25%557 / 743
Capital
Tier 1 Capital Ratio15.38%11.55%13.75%17.60%Beats 64%266 / 746
Total Risk-Based Capital Ratio15.89%11.71%14.33%18.43%Beats 62%282 / 746
Equity / Assets2.08%8.90%10.51%13.06%Beats 0%745 / 746
Liquidity & Funding
Loans / Deposits34.32%61.31%78.27%90.78%3rd pctl724 / 746
Loans / Assets33.04%53.60%66.97%76.08%5th pctl712 / 746
Brokered Deposits / Depositsn/aNot reported for this institution