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Saint Martin National Bank

Saint Martin, MN · Cert 18937

National charter · OCC · 1 branch

Q2 2026

$29.4MAssets
$13.4MLoans
$25.0MDeposits
$4.3MEquity
Loan mix
80%RE $9.4M14%C&I $1.6M6%Consumer $0.7MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $18.7M25%Noninterest $6.3MQ2 2025Q2 2026

NIM

3.49%Q2 ’244.10%Q2 ’254.58%Q2 ’26+16%+12%

Non-interest income vs. expense

2.14%Q2 ’242.23%Q2 ’252.31%Q2 ’26+0%+4%

Market Position · St. Cloud, MN · 2026 SOD (annual) · 0.3% share · #30 of 32 inst. · $0.0B of $7.9B

Executive Summary

  • Earnings: ROA of 1.95%, up 32 bps year over year; NIM at 3.71%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.51%, up 85 bps from a year ago.
  • Funding: loans stand at 53.34% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.95%+32 bps YoY

Net Interest Margin (quarter, annualized)

3.71%+39 bps YoY

Efficiency Ratio (quarter, annualized)

48.41%-287 bps YoY

Tier 1 Leverage Ratio

15.51%+85 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.63%1.77%0.08%1.86%1.95%+32 bps
Return on Equity12.51%12.54%0.53%12.87%13.46%+94 bps
Net Interest Margin3.32%3.50%3.59%3.50%3.71%+39 bps
Efficiency Ratio51.28%51.79%96.94%53.44%48.41%-287 bps
Non-Interest Burden1.20%1.31%3.46%1.12%1.25%+5 bps
Growth
Asset Growth (YoY)-1.72%1.36%2.89%-4.90%2.77%+449 bps
Loan Growth (YoY)-1.17%2.92%-1.29%-3.53%6.52%+769 bps
Deposit Growth (YoY)-4.86%-0.54%0.69%-7.23%1.83%+669 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.57%1.47%1.53%1.55%1.47%-10 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio14.66%14.76%14.43%15.30%15.51%+85 bps
Total Risk-Based Capital14.66%14.76%14.43%15.30%15.51%+85 bps
Equity / Assets13.82%14.41%14.57%14.39%14.60%+78 bps
Liquidity & Funding
Loans / Deposits51.00%54.31%53.12%52.08%53.34%+235 bps
Liquid Assets / Assets2.92%2.89%2.94%1.21%1.17%-175 bps
CRE / Total Capitaln/a0.00%0.00%2.91%n/an/a