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North American Banking Company

Roseville, MN · Cert 34836 · N A Corp.

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 $1B-$10B 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 $1B-$10B in assets operating in a single state (n=257 to 258). 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

48

Q2 2024Q2 2026peer median (50)

Asset Quality

57

Q2 2024Q2 2026peer median (50)

Profitability

63

Q2 2024Q2 2026peer median (50)

Liquidity

36

Q2 2024Q2 2026peer median

Efficiency

81

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

North American Banking Company

Roseville, MN · Cert 34836 · N A Corp.

State charter, Fed member · FED · 6 branches

Q2 2026

$1.5BAssets
$783.2MLoans
$1.1BDeposits
$100.0MEquity
Loan mix
81%RE $575.7M19%C&I $132.9M0%Consumer $2.3MQ3 2024Q2 2026
Deposit mix
60%Interest-bearing $650.5M40%Noninterest $435.3MQ3 2024Q2 2026

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.4% share · #16 of 125 inst. · $1.1B of $253.2B

1.4% Ramsey
0.9% Washington
0.0% Hennepin
0.1% Dakota

Executive Summary

  • Earnings: ROA of 1.67%, up 80 bps year over year; NIM at 2.74%.
  • Asset quality: problem loans at 0.51% of loans (+5 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 8.91%, up 12 bps from a year ago.
  • Funding: loans stand at 72.13% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.67%+80 bps YoY

Net Interest Margin (YTD, annualized)

2.74%+79 bps YoY

Efficiency Ratio (YTD, annualized)

49.73%-1,190 bps YoY

Tier 1 Leverage Ratio

8.91%+12 bps YoY

NIM

3.93%Q2 ’244.14%Q2 ’254.34%Q2 ’26+62%+41%

Non-interest income vs. expense

1.77%Q2 ’241.96%Q2 ’252.16%Q2 ’26-5%-24%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.46%0.62%0.76%0.87%1.05%1.20%1.49%1.67%+80 bps
Return on Equity10.44%13.95%14.85%16.10%18.47%20.29%22.61%25.12%+902 bps
Net Interest Margin1.30%1.45%1.86%1.95%2.00%2.10%2.60%2.74%+79 bps
Efficiency Ratio75.73%70.88%63.41%61.63%58.09%56.59%51.42%49.73%-1,190 bps
Non-Interest Burden0.74%0.75%0.77%0.73%0.64%0.63%0.59%0.56%-17 bps
Growth
Asset Growth (YoY)5.75%5.08%8.05%12.01%8.60%7.53%6.19%5.56%-645 bps
Loan Growth (YoY)5.86%8.54%7.69%13.28%7.27%3.60%4.43%3.00%-1,028 bps
Deposit Growth (YoY)4.65%4.77%6.81%5.11%1.71%-6.57%-4.41%-3.85%-896 bps
Asset Quality
Nonperforming Loans / Loans0.98%0.07%0.49%0.46%0.46%0.44%0.53%0.51%+5 bps
Net Charge-Offs / Loans0.02%0.01%0.00%0.02%0.02%0.12%0.00%0.02%0 bps
Allowance / Loans1.23%1.15%1.23%1.24%1.27%1.15%1.21%1.20%-4 bps
Allowance Coverage of NPLs1.3x17.1x2.5x2.7x2.8x2.6x2.3x2.4x-0.3x
Capital
Tier 1 Leverage Ratio8.71%8.40%8.49%8.79%8.65%8.57%8.47%8.91%+12 bps
Total Risk-Based Capital14.25%13.98%14.54%14.82%15.44%15.24%15.47%15.67%+84 bps
Equity / Assets5.50%4.69%5.51%5.99%6.59%6.67%6.51%6.78%+79 bps
Liquidity & Funding
Loans / Deposits63.87%61.81%61.79%67.33%67.36%68.54%67.50%72.13%+480 bps
Liquid Assets / Assets0.54%3.84%5.03%5.14%8.12%6.99%3.51%4.55%-58 bps
CRE / Total Capitaln/an/an/an/a374%365%366%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

North American Banking Company

Roseville, MN · Cert 34836 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · N A Corp.

State charter, Fed member · FED · 6 branches

Q2 2026

$1.5BAssets
$783.2MLoans
$1.1BDeposits
$100.0MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 96% of banks $1B-$10B in assets operating in a single state (rank 11 of 258).
  • Widest gap: equity / assets trails 98% of banks $1B-$10B in assets operating in a single state (rank 252 of 258).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.66%

Rank 40 of 258

Net Interest Margin

2.74%

Rank 231 of 258

Efficiency Ratio

49.73%

Rank 50 of 257

Equity / Assets

6.78%

Rank 252 of 258

Non-interest income vs. expense

$24.6M$33.2MINCOMEEXPENSE
Unfavorable gap of $8.6M · efficiency ratio beats 81% of banks $1B-$10B in assets operating in a single state
Bank 49.73%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.66%0.93%1.23%1.54%Beats 84%40 / 258
Return on Equity24.47%9.26%11.84%14.74%Beats 96%11 / 258
Net Interest Margin2.74%3.16%3.49%3.88%Beats 10%231 / 258
Efficiency Ratio49.73%51.71%60.30%69.65%Beats 81%50 / 257
Asset Quality
Nonperforming Loans / Loans0.51%0.19%0.46%0.90%Beats 44%146 / 258
Net Charge-Offs / Loans0.01%0.01%0.02%0.07%Beats 70%79 / 258
Capital
Tier 1 Capital Ratio14.63%11.41%12.98%15.12%Beats 72%73 / 258
Total Risk-Based Capital Ratio15.67%12.10%13.91%16.08%Beats 71%76 / 258
Equity / Assets6.78%9.09%10.24%11.72%Beats 2%252 / 258
Liquidity & Funding
Loans / Deposits72.13%73.24%86.34%95.95%22nd pctl202 / 258
Loans / Assets53.15%63.01%72.27%78.40%9th pctl234 / 258
Brokered Deposits / Depositsn/aNot reported for this institution