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American National Bank of Minnesota

Baxter, MN · Cert 26499 · American Bcorp of MN Inc.

National charter · OCC · 10 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 MN3

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 MN (n=111 to 113). 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

58

Q2 2024Q2 2026peer median (50)

Asset Quality

40

Q2 2024Q2 2026peer median (50)

Profitability

45

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

39

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

American National Bank of Minnesota

Baxter, MN · Cert 26499 · American Bcorp of MN Inc.

National charter · OCC · 10 branches

Q2 2026

$473.2MAssets
$386.6MLoans
$347.6MDeposits
$50.7MEquity
Loan mix
94%RE $383.5M5%C&I $18.4M1%Consumer $4.7MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $313.8M10%Noninterest $33.8MQ2 2025Q2 2026

NIM

6.22%Q2 ’246.39%Q2 ’256.41%Q2 ’26+4%+7%

Non-interest income vs. expense

2.70%Q2 ’242.78%Q2 ’252.65%Q2 ’26+0%-2%

Market Position · St. Cloud, MN · 2026 SOD (annual) · 0.5% share · #26 of 32 inst. · $0.0B of $7.9B

10.9% Crow Wing
0.5% Stearns
1.6% Becker
1.2% Douglas

Executive Summary

  • Earnings: ROA of 1.12%, up 23 bps year over year; NIM at 3.88%.
  • Asset quality: problem loans at 1.00% of loans (+1 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.85%, up 115 bps from a year ago.
  • Funding: loans stand at 111.22% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.12%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.88%+26 bps YoY

Efficiency Ratio (YTD, annualized)

65.04%-632 bps YoY

Tier 1 Leverage Ratio

10.85%+115 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%1.02%0.96%1.14%1.12%+23 bps
Return on Equity9.50%10.63%9.84%10.94%10.69%+119 bps
Net Interest Margin3.62%3.74%3.83%3.85%3.88%+26 bps
Efficiency Ratio71.35%68.35%69.91%64.40%65.04%-632 bps
Non-Interest Burden2.51%2.48%2.61%2.41%2.46%-4 bps
Growth
Asset Growth (YoY)5.81%2.10%-0.54%-2.28%-2.65%-847 bps
Loan Growth (YoY)3.71%-0.75%-4.22%-2.80%-8.12%-1,182 bps
Deposit Growth (YoY)6.58%0.24%-3.37%-4.28%-2.62%-920 bps
Asset Quality
Nonperforming Loans / Loans0.98%1.02%1.20%1.35%1.00%+1 bps
Net Charge-Offs / Loans0.01%0.09%0.07%0.01%0.01%0 bps
Allowance / Loans1.27%1.23%1.29%1.27%1.34%+7 bps
Allowance Coverage of NPLs1.3x1.2x1.1x0.9x1.3x+0.1x
Capital
Tier 1 Leverage Ratio9.70%9.99%10.38%10.49%10.85%+115 bps
Total Risk-Based Capital13.56%13.58%14.03%14.11%15.58%+201 bps
Equity / Assets9.50%9.97%10.37%10.49%10.72%+122 bps
Liquidity & Funding
Loans / Deposits117.87%119.57%117.84%119.45%111.22%-665 bps
Liquid Assets / Assets0.46%0.41%0.37%0.27%0.11%-36 bps
CRE / Total Capitaln/a365%352%361%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

American National Bank of Minnesota

Baxter, MN · Cert 26499 · Peer group: banks under $1B in assets in MN (n=111-113) · American Bcorp of MN Inc.

National charter · OCC · 10 branches

Q2 2026

$473.2MAssets
$386.6MLoans
$347.6MDeposits
$50.7MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 59% of banks under $1B in assets in MN (rank 46 of 113).
  • Widest gap: nonperforming loans / loans trails 62% of banks under $1B in assets in MN (rank 70 of 111).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.12%

Rank 62 of 113

Net Interest Margin

3.88%

Rank 57 of 113

Efficiency Ratio

65.04%

Rank 70 of 113

Equity / Assets

10.72%

Rank 49 of 113

Non-interest income vs. expense

$0.9M$12.6MINCOMEEXPENSE
Unfavorable gap of $11.7M · efficiency ratio beats 39% of banks under $1B in assets in MN
Bank 65.04%Peer median 61.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.12%0.87%1.20%1.41%Beats 45%62 / 113
Return on Equity10.48%8.92%11.27%13.99%Beats 40%68 / 113
Net Interest Margin3.88%3.42%3.88%4.31%Beats 50%57 / 113
Efficiency Ratio65.04%54.13%61.48%69.86%Beats 39%70 / 113
Asset Quality
Nonperforming Loans / Loans1.00%0.09%0.58%1.82%Beats 38%70 / 111
Net Charge-Offs / Loans0.01%n/a0.00%0.04%Beats 41%67 / 111
Capital
Tier 1 Capital Ratio14.32%11.53%13.31%18.13%Beats 58%48 / 113
Total Risk-Based Capital Ratio15.58%12.12%14.43%19.39%Beats 59%46 / 113
Equity / Assets10.72%8.52%10.10%11.94%Beats 57%49 / 113
Liquidity & Funding
Loans / Deposits111.22%62.08%77.32%88.06%95th pctl5 / 111
Loans / Assets81.69%55.01%66.35%75.50%85th pctl17 / 113
Brokered Deposits / Depositsn/aNot reported for this institution