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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

$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

6.44%Q2 ’246.54%Q2 ’256.45%Q2 ’26+4%+3%

Non-interest income vs. expense

2.79%Q2 ’242.70%Q2 ’252.69%Q2 ’26+2%+4%

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 1.11%, up 9 bps year over year; NIM at 3.90%.
  • 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 (quarter, annualized)

1.11%+9 bps YoY

Net Interest Margin (quarter, annualized)

3.90%+12 bps YoY

Efficiency Ratio (quarter, annualized)

65.66%-41 bps YoY

Tier 1 Leverage Ratio

10.85%+115 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.02%1.25%0.76%1.14%1.11%+9 bps
Return on Equity10.86%12.87%7.49%10.94%10.50%-35 bps
Net Interest Margin3.79%4.00%3.96%3.85%3.90%+12 bps
Efficiency Ratio66.07%62.84%74.47%64.40%65.66%-41 bps
Non-Interest Burden2.40%2.43%2.90%2.41%2.50%+10 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 / Loans0.00%0.25%-0.01%0.01%0.01%+1 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