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Liberty Bank Minnesota

Saint Cloud, MN · Cert 26891 · Liberty Finl Services St Cloud

State charter, Fed member · FED · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

65

Q2 2024Q2 2026peer median (50)

Asset Quality

75

Q2 2024Q2 2026peer median (50)

Profitability

32

Q2 2024Q2 2026peer median (50)

Liquidity

11

Q2 2024Q2 2026peer median

Efficiency

35

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

Liberty Bank Minnesota

Saint Cloud, MN · Cert 26891 · Liberty Finl Services St Cloud

State charter, Fed member · FED · 6 branches

Q2 2026

$290.2MAssets
$137.3MLoans
$262.9MDeposits
$26.9MEquity
Loan mix
96%RE $130.0M0%C&I $0.3M3%Consumer $4.5MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $209.7M20%Noninterest $53.3MQ3 2024Q2 2026

Market Position · St. Cloud, MN · 2026 SOD (annual) · 2.8% share · #10 of 32 inst. · $0.2B of $7.9B

3.1% Stearns
1.1% Wright
0.5% Sherburne

Executive Summary

  • Earnings: ROA of 0.82%, up 7 bps year over year; NIM at 2.75%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 12.90%, down 34 bps from a year ago.
  • Funding: loans stand at 52.21% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.82%+7 bps YoY

Net Interest Margin (YTD, annualized)

2.75%-1 bps YoY

Efficiency Ratio (YTD, annualized)

74.00%-216 bps YoY

Tier 1 Leverage Ratio

12.90%-34 bps YoY

NIM

3.33%Q2 ’243.33%Q2 ’253.38%Q2 ’26+3%0%

Non-interest income vs. expense

3.01%Q2 ’242.87%Q2 ’252.82%Q2 ’26-5%-5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.68%0.66%0.75%0.85%0.85%0.75%0.82%+7 bps
Return on Equity7.87%8.63%8.18%8.96%9.75%9.49%7.80%8.61%-35 bps
Net Interest Margin2.53%2.58%2.73%2.76%2.77%2.79%2.72%2.75%-1 bps
Efficiency Ratio79.29%78.04%78.14%76.16%73.96%74.26%74.80%74.00%-216 bps
Non-Interest Burden1.79%1.77%1.94%1.86%1.75%1.76%1.81%1.76%-10 bps
Growth
Asset Growth (YoY)1.30%-1.64%3.15%1.29%0.57%6.95%4.99%5.59%+430 bps
Loan Growth (YoY)7.29%6.59%3.59%0.56%-3.66%-4.27%-3.77%-3.99%-455 bps
Deposit Growth (YoY)-0.73%0.68%1.75%5.48%-0.14%4.90%4.00%5.30%-17 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%0.01%0.04%0.02%0.02%0.01%0.01%0.02%0 bps
Allowance / Loans0.96%0.97%0.97%0.96%0.98%1.00%1.01%0.99%+3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio13.18%13.40%13.18%13.24%13.45%13.60%13.00%12.90%-34 bps
Total Risk-Based Capital25.70%26.03%25.71%25.87%26.55%26.85%26.72%26.78%+91 bps
Equity / Assets9.08%7.82%8.31%8.88%9.77%9.91%9.24%9.25%+37 bps
Liquidity & Funding
Loans / Deposits57.74%58.76%55.12%57.26%55.70%53.62%51.00%52.21%-505 bps
Liquid Assets / Assets2.64%1.67%7.56%6.18%8.87%12.70%16.04%13.58%+741 bps
CRE / Total Capitaln/an/an/an/a14.48%9.42%8.56%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

Liberty Bank Minnesota

Saint Cloud, MN · Cert 26891 · Peer group: banks under $1B in assets (n=581-629) · Liberty Finl Services St Cloud

State charter, Fed member · FED · 6 branches

Q2 2026

$290.2MAssets
$137.3MLoans
$262.9MDeposits
$26.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
  • Widest gap: net interest margin trails 85% of banks under $1B in assets (rank 536 of 629).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.81%

Rank 411 of 629

Net Interest Margin

2.75%

Rank 536 of 629

Efficiency Ratio

74.00%

Rank 411 of 629

Equity / Assets

9.25%

Rank 451 of 629

Non-interest income vs. expense

$3.2M$8.5MINCOMEEXPENSE
Unfavorable gap of $5.3M · efficiency ratio beats 35% of banks under $1B in assets
Bank 74.00%Peer median 67.8%Q4 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.81%0.60%1.01%1.45%Beats 35%411 / 629
Return on Equity8.76%5.38%9.30%13.28%Beats 45%345 / 629
Net Interest Margin2.75%3.03%3.54%4.05%Beats 15%536 / 629
Efficiency Ratio74.00%58.35%67.79%79.08%Beats 35%411 / 629
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 100%81 / 581
Net Charge-Offs / Loans0.01%n/a0.01%0.06%Beats 50%295 / 581n/a
Capital
Tier 1 Capital Ratio25.85%11.24%13.84%18.77%Beats 84%100 / 629
Total Risk-Based Capital Ratio26.78%11.58%14.43%19.66%Beats 84%101 / 629
Equity / Assets9.25%9.09%10.65%13.80%Beats 28%451 / 629
Liquidity & Funding
Loans / Deposits52.21%67.24%80.90%93.48%12th pctl524 / 594
Loans / Assets47.29%53.31%67.71%78.15%18th pctl513 / 629
Brokered Deposits / Depositsn/aNot reported for this institution