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Eagle Rock Bank

Rochester, MN · Cert 34171 · Olmsted Holding Corp.

State charter, non-member · FDIC · 5 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

38

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

31

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

77

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

Eagle Rock Bank

Rochester, MN · Cert 34171 · Olmsted Holding Corp.

State charter, non-member · FDIC · 5 branches

Q2 2026

$508.2MAssets
$435.8MLoans
$420.8MDeposits
$57.9MEquity
Loan mix
81%RE $170.3M19%C&I $39.1M1%Consumer $1.6MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $336.7M20%Noninterest $84.1MQ2 2025Q2 2026

NIM

5.86%Q2 ’245.87%Q2 ’255.09%Q2 ’26+4%-2%

Non-interest income vs. expense

2.33%Q2 ’242.24%Q2 ’251.96%Q2 ’26-7%-11%

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.1% share · #58 of 125 inst. · $0.3B of $253.2B

2.8% Olmsted
4.5% Scott
0.1% Ramsey
0.0% Hennepin

Executive Summary

  • Earnings: ROA of 1.17%, up 35 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 0.92% of loans (-38 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.80%, up 323 bps from a year ago.
  • Funding: loans stand at 103.58% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.17%+35 bps YoY

Net Interest Margin (YTD, annualized)

3.37%-7 bps YoY

Efficiency Ratio (YTD, annualized)

54.28%-549 bps YoY

Tier 1 Leverage Ratio

13.80%+323 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%0.87%0.97%1.05%1.17%+35 bps
Return on Equity8.34%8.79%9.64%9.76%10.61%+227 bps
Net Interest Margin3.44%3.47%3.59%3.86%3.37%-7 bps
Efficiency Ratio59.77%58.47%59.70%56.26%54.28%-549 bps
Non-Interest Burden1.92%1.91%1.89%2.09%1.71%-21 bps
Growth
Asset Growth (YoY)6.28%6.62%4.08%4.51%86.30%+8,002 bps
Loan Growth (YoY)5.18%6.37%0.59%-2.96%96.25%+9,108 bps
Deposit Growth (YoY)12.88%1.79%8.43%8.65%97.35%+8,447 bps
Asset Quality
Nonperforming Loans / Loans1.30%1.04%0.04%0.00%0.92%-38 bps
Net Charge-Offs / Loans0.00%0.00%0.30%0.00%0.00%0 bps
Allowance / Loans1.00%1.03%0.94%0.99%1.10%+11 bps
Allowance Coverage of NPLs0.8x1.0x26.7xn/a1.2x+0.4x
Capital
Tier 1 Leverage Ratio10.57%10.49%11.02%11.16%13.80%+323 bps
Total Risk-Based Capital12.51%12.62%13.66%13.58%12.07%-44 bps
Equity / Assets9.94%10.12%10.74%10.68%11.40%+145 bps
Liquidity & Funding
Loans / Deposits104.16%108.14%95.62%91.88%103.58%-58 bps
Liquid Assets / Assets2.75%2.35%5.61%4.45%1.98%-76 bps
CRE / Total Capitaln/a367%351%336%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

Eagle Rock Bank

Rochester, MN · Cert 34171 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Olmsted Holding Corp.

State charter, non-member · FDIC · 5 branches

Q2 2026

$508.2MAssets
$435.8MLoans
$420.8MDeposits
$57.9MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 77% of banks under $1B in assets operating in a single state (rank 173 of 746).
  • Widest gap: tier 1 capital ratio trails 75% of banks under $1B in assets operating in a single state (rank 560 of 746).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.82%

Rank 511 of 746

Net Interest Margin

3.37%

Rank 499 of 746

Efficiency Ratio

54.57%

Rank 173 of 746

Equity / Assets

11.40%

Rank 290 of 746

Non-interest income vs. expense

$1.0M$8.1MINCOMEEXPENSE
Unfavorable gap of $7.1M · efficiency ratio beats 77% of banks under $1B in assets operating in a single state
Bank 54.57%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.82%0.72%1.06%1.45%Beats 32%511 / 746
Return on Equity7.15%6.74%10.51%13.63%Beats 28%536 / 746
Net Interest Margin3.37%3.17%3.68%4.16%Beats 33%499 / 746
Efficiency Ratio54.57%55.74%64.58%75.47%Beats 77%173 / 746
Asset Quality
Nonperforming Loans / Loans0.92%0.09%0.42%1.07%Beats 30%523 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 75%188 / 743
Capital
Tier 1 Capital Ratio11.55%11.55%13.75%17.60%Beats 25%560 / 746
Total Risk-Based Capital Ratio12.07%11.71%14.33%18.43%Beats 29%532 / 746
Equity / Assets11.40%8.90%10.51%13.06%Beats 61%290 / 746
Liquidity & Funding
Loans / Deposits103.58%61.31%78.27%90.78%93rd pctl51 / 746
Loans / Assets85.76%53.60%66.97%76.08%96th pctl30 / 746
Brokered Deposits / Depositsn/aNot reported for this institution