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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

$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