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Castle Rock Bank

Castle Rock, MN · Cert 1913

State charter, non-member · FDIC · 3 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

95

Q2 2024Q2 2026peer median (50)

Asset Quality

64

Q2 2024Q2 2026peer median (50)

Profitability

26

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

92

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

Castle Rock Bank

Castle Rock, MN · Cert 1913

State charter, non-member · FDIC · 3 branches

Q2 2026

$293.5MAssets
$131.6MLoans
$249.6MDeposits
$40.9MEquity
Loan mix
63%RE $74.7M26%C&I $31.3M11%Consumer $12.9MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $193.1M23%Noninterest $56.5MQ2 2025Q2 2026

NIM

3.65%Q2 ’244.17%Q2 ’254.56%Q2 ’26+16%+15%

Non-interest income vs. expense

1.35%Q2 ’241.37%Q2 ’251.36%Q2 ’26-2%-3%

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.1% share · #60 of 125 inst. · $0.2B of $253.2B

Executive Summary

  • Earnings: ROA of 1.16%, up 31 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 0.01% of loans (-8 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 14.19%, down 5 bps from a year ago.
  • Funding: loans stand at 52.71% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.16%+31 bps YoY

Net Interest Margin (YTD, annualized)

2.78%+36 bps YoY

Efficiency Ratio (YTD, annualized)

45.14%-715 bps YoY

Tier 1 Leverage Ratio

14.19%-5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.85%0.94%0.87%1.17%1.16%+31 bps
Return on Equity6.15%6.79%6.31%8.49%8.42%+226 bps
Net Interest Margin2.42%2.45%2.46%2.74%2.78%+36 bps
Efficiency Ratio52.29%49.59%53.86%44.62%45.14%-715 bps
Non-Interest Burden1.17%1.11%1.23%1.09%1.13%-4 bps
Growth
Asset Growth (YoY)4.47%4.50%6.54%6.72%6.83%+236 bps
Loan Growth (YoY)5.34%5.64%5.87%7.06%4.59%-75 bps
Deposit Growth (YoY)5.13%4.21%5.91%6.82%5.93%+80 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.01%0.05%0.17%0.01%-8 bps
Net Charge-Offs / Loans0.00%0.08%0.31%-0.10%0.01%+1 bps
Allowance / Loans2.79%2.77%2.57%2.66%2.72%-7 bps
Allowance Coverage of NPLs31.3x253.5x47.8x15.5x238.5x+207.2x
Capital
Tier 1 Leverage Ratio14.24%14.21%13.99%13.97%14.19%-5 bps
Total Risk-Based Capital27.61%27.74%27.48%27.07%27.61%0 bps
Equity / Assets14.01%13.93%13.83%13.61%13.92%-9 bps
Liquidity & Funding
Loans / Deposits53.38%52.57%52.59%51.99%52.71%-68 bps
Liquid Assets / Assets41.27%40.79%40.73%37.91%39.22%-205 bps
CRE / Total Capitaln/a49.48%47.88%46.29%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

Castle Rock Bank

Castle Rock, MN · Cert 1913 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53)

State charter, non-member · FDIC · 3 branches

Q2 2026

$293.5MAssets
$131.6MLoans
$249.6MDeposits
$40.9MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 96% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 2 of 53).
  • Widest gap: net interest margin trails 98% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 52 of 53).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.15%

Rank 26 of 53

Net Interest Margin

2.78%

Rank 52 of 53

Efficiency Ratio

45.14%

Rank 5 of 53

Equity / Assets

13.92%

Rank 3 of 53

Non-interest income vs. expense

$0.7M$4.0MINCOMEEXPENSE
Unfavorable gap of $3.3M · efficiency ratio beats 92% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area
Bank 45.14%Peer median 65.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.15%0.73%1.11%1.30%Beats 51%26 / 53
Return on Equity8.30%7.88%12.20%14.12%Beats 26%39 / 53
Net Interest Margin2.78%3.39%3.77%4.09%Beats 2%52 / 53
Efficiency Ratio45.14%56.05%65.05%71.57%Beats 92%5 / 53
Asset Quality
Nonperforming Loans / Loans0.01%0.14%0.52%1.20%Beats 91%6 / 53
Net Charge-Offs / Loans0.04%0.00%0.01%0.08%Beats 36%35 / 53
Capital
Tier 1 Capital Ratio26.35%10.73%12.98%15.08%Beats 96%2 / 53
Total Risk-Based Capital Ratio27.61%11.49%13.79%16.34%Beats 96%2 / 53
Equity / Assets13.92%8.08%9.25%10.72%Beats 94%3 / 53
Liquidity & Funding
Loans / Deposits52.71%72.13%82.29%93.80%8th pctl49 / 53
Loans / Assets44.82%63.64%71.80%79.37%4th pctl51 / 53
Brokered Deposits / Depositsn/aNot reported for this institution