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Del Norte Bank, A Savings and Loan Association

Del Norte, CO · Cert 29066 · Del Norte M H C

SL · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

24

Q2 2024Q2 2026peer median (50)

Asset Quality

90

Q2 2024Q2 2026peer median (50)

Profitability

70

Q2 2024Q2 2026peer median (50)

Liquidity

5

Q2 2024Q2 2026peer median

Efficiency

42

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

Del Norte Bank, A Savings and Loan Association

Del Norte, CO · Cert 29066 · Del Norte M H C

SL · FDIC · 2 branches

Q2 2026

$155.3MAssets
$126.2MLoans
$127.2MDeposits
$15.3MEquity
Loan mix
97%RE $110.2M2%C&I $2.7M1%Consumer $1.2MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $102.4M19%Noninterest $24.7MQ2 2025Q2 2026

NIM

5.86%Q2 ’245.90%Q2 ’256.12%Q2 ’26+6%+4%

Non-interest income vs. expense

3.23%Q2 ’243.14%Q2 ’253.31%Q2 ’26+1%-2%

Executive Summary

  • Earnings: ROA of 1.22%, up 21 bps year over year; NIM at 4.38%.
  • Asset quality: problem loans at 0.04% of loans (-48 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.69%, up 22 bps from a year ago.
  • Funding: loans stand at 99.21% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.22%+21 bps YoY

Net Interest Margin (YTD, annualized)

4.38%+16 bps YoY

Efficiency Ratio (YTD, annualized)

67.83%-192 bps YoY

Tier 1 Leverage Ratio

10.69%+22 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.02%1.00%0.99%1.12%1.22%+21 bps
Return on Equity11.07%10.85%10.60%11.60%12.57%+149 bps
Net Interest Margin4.22%4.15%4.08%4.34%4.38%+16 bps
Efficiency Ratio69.75%70.21%70.98%69.37%67.83%-192 bps
Non-Interest Burden2.86%2.82%2.82%2.85%2.81%-5 bps
Growth
Asset Growth (YoY)5.50%0.59%7.07%7.92%4.99%-51 bps
Loan Growth (YoY)4.35%4.97%8.67%8.78%4.89%+54 bps
Deposit Growth (YoY)5.47%-2.55%0.79%4.26%3.35%-212 bps
Asset Quality
Nonperforming Loans / Loans0.52%0.78%0.45%1.34%0.04%-48 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.11%1.13%1.10%1.10%1.10%0 bps
Allowance Coverage of NPLs2.1x1.4x2.4x0.8x26.8x+24.7x
Capital
Tier 1 Leverage Ratio10.47%10.31%10.17%10.48%10.69%+22 bps
Total Risk-Based Capital10.47%10.31%10.17%10.48%10.69%+22 bps
Equity / Assets9.20%9.48%9.62%9.72%9.88%+68 bps
Liquidity & Funding
Loans / Deposits97.76%98.13%102.29%101.78%99.21%+146 bps
Liquid Assets / Assets2.47%2.31%1.78%2.10%2.06%-41 bps
CRE / Total Capitaln/a273%292%288%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

Del Norte Bank, A Savings and Loan Association

Del Norte, CO · Cert 29066 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Del Norte M H C

SL · FDIC · 2 branches

Q2 2026

$155.3MAssets
$126.2MLoans
$127.2MDeposits
$15.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: total risk-based capital ratio trails 85% of banks under $1B in assets operating in a single state (rank 637 of 746).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.20%

Rank 295 of 746

Net Interest Margin

4.38%

Rank 123 of 746

Efficiency Ratio

67.83%

Rank 431 of 746

Equity / Assets

9.88%

Rank 445 of 746

Non-interest income vs. expense

$0.8M$5.1MINCOMEEXPENSE
Unfavorable gap of $4.4M · efficiency ratio beats 42% of banks under $1B in assets operating in a single state
Bank 67.83%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.20%0.72%1.06%1.45%Beats 60%295 / 746
Return on Equity12.19%6.74%10.51%13.63%Beats 65%263 / 746
Net Interest Margin4.38%3.17%3.68%4.16%Beats 84%123 / 746
Efficiency Ratio67.83%55.74%64.58%75.47%Beats 42%431 / 746
Asset Quality
Nonperforming Loans / Loans0.04%0.09%0.42%1.07%Beats 79%157 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio10.69%11.55%13.75%17.60%Beats 16%627 / 746
Total Risk-Based Capital Ratio10.69%11.71%14.33%18.43%Beats 15%637 / 746
Equity / Assets9.88%8.90%10.51%13.06%Beats 40%445 / 746
Liquidity & Funding
Loans / Deposits99.21%61.31%78.27%90.78%89th pctl81 / 746
Loans / Assets81.25%53.60%66.97%76.08%88th pctl90 / 746
Brokered Deposits / Depositsn/aNot reported for this institution