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Key Community Bank

Inver Grove Heights, MN · Cert 34644 · Inver Grove Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area3

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 the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53). 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

35

Q2 2024Q2 2026peer median (50)

Asset Quality

52

Q2 2024Q2 2026peer median (50)

Profitability

22

Q2 2024Q2 2026peer median (50)

Liquidity

26

Q2 2024Q2 2026peer median

Efficiency

36

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

Key Community Bank

Inver Grove Heights, MN · Cert 34644 · Inver Grove Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$121.0MAssets
$104.4MLoans
$107.6MDeposits
$13.0MEquity
Loan mix
92%RE $97.9M4%C&I $4.3M4%Consumer $4.5MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $80.3M25%Noninterest $27.3MQ2 2025Q2 2026

NIM

5.43%Q2 ’245.83%Q2 ’255.76%Q2 ’26+23%-5%

Non-interest income vs. expense

2.61%Q2 ’242.70%Q2 ’252.82%Q2 ’26+5%+4%

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.0% share · #89 of 125 inst. · $0.1B of $253.2B

Executive Summary

  • Earnings: ROA of -0.11%, down 121 bps year over year; NIM at 3.98%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.34%.
  • Capital: tier 1 leverage ratio of 10.66%, up 182 bps from a year ago.
  • Funding: loans stand at 97.02% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.11%-121 bps YoY

Net Interest Margin (YTD, annualized)

3.98%-22 bps YoY

Efficiency Ratio (YTD, annualized)

67.76%+592 bps YoY

Tier 1 Leverage Ratio

10.66%+182 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.10%1.12%1.20%-1.89%-0.11%-121 bps
Return on Equity13.30%13.16%14.06%-20.07%-1.13%-1,443 bps
Net Interest Margin4.21%4.16%4.13%4.19%3.98%-22 bps
Efficiency Ratio61.84%62.08%59.84%60.58%67.76%+592 bps
Non-Interest Burden2.54%2.52%2.40%2.48%2.64%+10 bps
Growth
Asset Growth (YoY)6.93%-2.19%7.97%6.83%2.60%-433 bps
Loan Growth (YoY)10.95%6.12%7.72%14.89%8.21%-274 bps
Deposit Growth (YoY)5.88%0.31%16.83%2.59%9.95%+407 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%2.95%2.67%0.00%0 bps
Net Charge-Offs / Loans0.00%0.01%0.01%0.00%1.34%+134 bps
Allowance / Loans1.21%1.27%1.28%2.17%1.28%+6 bps
Allowance Coverage of NPLsn/an/a0.4x0.8xn/an/a
Capital
Tier 1 Leverage Ratio8.85%9.13%9.42%10.65%10.66%+182 bps
Total Risk-Based Capital11.50%12.02%12.14%10.65%10.66%-84 bps
Equity / Assets8.20%9.25%8.71%10.07%10.72%+252 bps
Liquidity & Funding
Loans / Deposits98.57%95.92%87.89%104.50%97.02%-155 bps
Liquid Assets / Assets13.85%7.06%16.04%9.51%7.09%-676 bps
CRE / Total Capitaln/a659%669%623%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

Key Community Bank

Inver Grove Heights, MN · Cert 34644 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · Inver Grove Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$121.0MAssets
$104.4MLoans
$107.6MDeposits
$13.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 3 of 53).
  • Widest gap: return on equity trails 98% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 52 of 53).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

-0.11%

Rank 52 of 53

Net Interest Margin

3.98%

Rank 20 of 53

Efficiency Ratio

67.76%

Rank 35 of 53

Equity / Assets

10.72%

Rank 14 of 53

Non-interest income vs. expense

$0.2M$3.4MINCOMEEXPENSE
Unfavorable gap of $3.2M · efficiency ratio beats 36% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area
Bank 67.76%Peer median 65.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.11%0.73%1.11%1.30%Beats 2%52 / 53
Return on Equity-1.05%7.88%12.20%14.12%Beats 2%52 / 53
Net Interest Margin3.98%3.39%3.77%4.09%Beats 62%20 / 53
Efficiency Ratio67.76%56.05%65.05%71.57%Beats 36%35 / 53
Asset Quality
Nonperforming Loans / Loans0.00%0.14%0.52%1.20%Beats 100%3 / 53
Net Charge-Offs / Loans1.00%0.00%0.01%0.08%Beats 4%52 / 53
Capital
Tier 1 Capital Ratio10.66%10.73%12.98%15.08%Beats 21%42 / 53
Total Risk-Based Capital Ratio10.66%11.49%13.79%16.34%Beats 11%47 / 53
Equity / Assets10.72%8.08%9.25%10.72%Beats 74%14 / 53
Liquidity & Funding
Loans / Deposits97.02%72.13%82.29%93.80%81st pctl10 / 53
Loans / Assets86.29%63.64%71.80%79.37%91st pctl5 / 53
Brokered Deposits / Depositsn/aNot reported for this institution