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Strasburg State Bank

Strasburg, ND · Cert 17922 · Strasburg Banshares Inc.

State charter, non-member · FDIC · 1 branch

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

41

Q2 2024Q2 2026peer median (50)

Asset Quality

80

Q2 2024Q2 2026peer median (50)

Profitability

48

Q2 2024Q2 2026peer median (50)

Liquidity

5

Q2 2024Q2 2026peer median

Efficiency

79

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

Strasburg State Bank

Strasburg, ND · Cert 17922 · Strasburg Banshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$104.2MAssets
$44.8MLoans
$93.4MDeposits
$9.3MEquity
Loan mix
84%RE $14.8M15%C&I $2.6M1%Consumer $0.2MQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $79.6M15%Noninterest $13.8MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.19%, down 5 bps year over year; NIM at 2.83%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 8.67%, down 22 bps from a year ago.
  • Funding: loans stand at 47.94% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.19%-5 bps YoY

Net Interest Margin (YTD, annualized)

2.83%-2 bps YoY

Efficiency Ratio (YTD, annualized)

53.34%+47 bps YoY

Tier 1 Leverage Ratio

8.67%-22 bps YoY

NIM

4.82%Q2 ’244.74%Q2 ’254.59%Q2 ’26-2%-1%

Non-interest income vs. expense

1.60%Q2 ’241.52%Q2 ’251.55%Q2 ’26+2%-1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.30%1.09%1.16%1.23%1.25%1.15%1.18%1.19%-5 bps
Return on Equity14.05%11.90%13.18%13.83%13.98%12.79%13.58%13.58%-25 bps
Net Interest Margin2.87%2.78%2.81%2.85%2.96%2.99%2.85%2.83%-2 bps
Efficiency Ratio52.67%55.37%52.97%52.86%51.96%53.73%53.48%53.34%+47 bps
Non-Interest Burden1.45%1.49%1.46%1.49%1.51%1.57%1.49%1.47%-2 bps
Growth
Asset Growth (YoY)2.50%5.30%10.01%6.56%7.47%2.09%8.26%7.18%+63 bps
Loan Growth (YoY)22.32%20.07%22.55%12.64%11.63%14.05%5.28%-0.87%-1,351 bps
Deposit Growth (YoY)2.08%7.07%12.62%6.57%7.98%2.01%8.69%7.63%+106 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.02%0.01%+1 bps
Allowance / Loans0.73%0.67%0.63%0.52%0.48%0.47%0.55%0.49%-3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.36%9.06%8.78%8.89%8.96%9.09%8.42%8.67%-22 bps
Total Risk-Based Capital15.89%14.41%14.22%14.54%13.81%13.05%13.15%14.13%-41 bps
Equity / Assets9.33%8.99%8.58%9.22%8.94%9.16%8.22%8.90%-32 bps
Liquidity & Funding
Loans / Deposits51.60%53.37%47.47%52.04%53.35%59.66%45.98%47.94%-411 bps
Liquid Assets / Assets24.73%24.22%24.59%25.35%26.17%26.53%23.82%24.71%-64 bps
CRE / Total Capitaln/an/an/an/a6.02%5.82%5.88%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

Strasburg State Bank

Strasburg, ND · Cert 17922 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Strasburg Banshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$104.2MAssets
$44.8MLoans
$93.4MDeposits
$9.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
  • Widest gap: net interest margin trails 88% of banks under $1B in assets operating in a single state (rank 655 of 746).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.19%

Rank 304 of 746

Net Interest Margin

2.83%

Rank 655 of 746

Efficiency Ratio

53.34%

Rank 156 of 746

Equity / Assets

8.90%

Rank 561 of 746

Non-interest income vs. expense

$0.1M$1.7MINCOMEEXPENSE
Unfavorable gap of $1.6M · efficiency ratio beats 79% of banks under $1B in assets operating in a single state
Bank 53.34%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.19%0.72%1.06%1.45%Beats 59%304 / 746
Return on Equity13.36%6.74%10.51%13.63%Beats 72%208 / 746
Net Interest Margin2.83%3.17%3.68%4.16%Beats 12%655 / 746
Efficiency Ratio53.34%55.74%64.58%75.47%Beats 79%156 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 100%105 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 59%310 / 743
Capital
Tier 1 Capital Ratio13.67%11.55%13.75%17.60%Beats 50%376 / 746
Total Risk-Based Capital Ratio14.13%11.71%14.33%18.43%Beats 48%390 / 746
Equity / Assets8.90%8.90%10.51%13.06%Beats 25%561 / 746
Liquidity & Funding
Loans / Deposits47.94%61.31%78.27%90.78%11th pctl662 / 746
Loans / Assets42.98%53.60%66.97%76.08%13th pctl651 / 746
Brokered Deposits / Depositsn/aNot reported for this institution