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Crown Bank

Edina, MN · Cert 35480 · Crown Bankshares Inc.

State charter, non-member · 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 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

31

Q2 2024Q2 2026peer median (50)

Asset Quality

26

Q2 2024Q2 2026peer median (50)

Profitability

12

Q2 2024Q2 2026peer median (50)

Liquidity

50

Q2 2024Q2 2026peer median

Efficiency

17

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

Crown Bank

Edina, MN · Cert 35480 · Crown Bankshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$402.0MAssets
$306.6MLoans
$332.8MDeposits
$32.7MEquity
Loan mix
68%RE $225.0M31%C&I $101.2M1%Consumer $4.4MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $293.2M12%Noninterest $39.6MQ2 2025Q2 2026

NIM

5.94%Q2 ’245.75%Q2 ’255.92%Q2 ’26-3%+22%

Non-interest income vs. expense

2.18%Q2 ’242.35%Q2 ’252.36%Q2 ’26+17%+1%

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.1% share · #49 of 125 inst. · $0.3B of $253.2B

Executive Summary

  • Earnings: ROA of 0.45%, up 25 bps year over year; NIM at 3.07%.
  • Asset quality: problem loans at 1.15% of loans (-71 bps YoY), with net charge-offs at 0.36%.
  • Capital: tier 1 leverage ratio of 8.43%, up 27 bps from a year ago.
  • Funding: loans stand at 92.13% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.45%+25 bps YoY

Net Interest Margin (YTD, annualized)

3.07%+56 bps YoY

Efficiency Ratio (YTD, annualized)

74.58%-1,533 bps YoY

Tier 1 Leverage Ratio

8.43%+27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.20%0.21%0.25%0.32%0.45%+25 bps
Return on Equity2.86%2.94%3.46%4.30%5.91%+305 bps
Net Interest Margin2.51%2.47%2.58%2.90%3.07%+56 bps
Efficiency Ratio89.91%88.81%87.56%74.66%74.58%-1,533 bps
Non-Interest Burden2.25%2.19%2.25%2.14%2.26%+2 bps
Growth
Asset Growth (YoY)4.10%4.31%4.30%1.97%-8.80%-1,289 bps
Loan Growth (YoY)-5.50%-2.53%-0.93%-3.24%-9.86%-436 bps
Deposit Growth (YoY)8.60%4.65%5.63%4.59%-7.35%-1,595 bps
Asset Quality
Nonperforming Loans / Loans1.86%2.33%1.62%1.30%1.15%-71 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.50%0.36%+36 bps
Allowance / Loans1.15%1.14%1.14%1.14%1.21%+6 bps
Allowance Coverage of NPLs0.6x0.5x0.7x0.9x1.0x+0.4x
Capital
Tier 1 Leverage Ratio8.17%7.83%7.90%7.93%8.43%+27 bps
Total Risk-Based Capital10.82%10.80%10.83%11.12%12.19%+138 bps
Equity / Assets6.96%7.23%7.31%7.42%8.12%+116 bps
Liquidity & Funding
Loans / Deposits94.70%94.57%92.88%92.21%92.13%-257 bps
Liquid Assets / Assets6.17%5.56%6.03%7.05%4.94%-123 bps
CRE / Total Capitaln/a579%554%540%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

Crown Bank

Edina, MN · Cert 35480 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · Crown Bankshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$402.0MAssets
$306.6MLoans
$332.8MDeposits
$32.7MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 36% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 34 of 53).
  • Widest gap: return on assets trails 89% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 47 of 53).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.48%

Rank 47 of 53

Net Interest Margin

3.07%

Rank 46 of 53

Efficiency Ratio

74.58%

Rank 45 of 53

Equity / Assets

8.12%

Rank 39 of 53

Non-interest income vs. expense

$0.4M$9.9MINCOMEEXPENSE
Unfavorable gap of $9.5M · efficiency ratio beats 17% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area
Bank 74.58%Peer median 65.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.48%0.73%1.11%1.30%Beats 11%47 / 53
Return on Equity5.89%7.88%12.20%14.12%Beats 13%46 / 53
Net Interest Margin3.07%3.39%3.77%4.09%Beats 13%46 / 53
Efficiency Ratio74.58%56.05%65.05%71.57%Beats 17%45 / 53
Asset Quality
Nonperforming Loans / Loans1.15%0.14%0.52%1.20%Beats 28%39 / 53
Net Charge-Offs / Loans0.18%0.00%0.01%0.08%Beats 23%42 / 53
Capital
Tier 1 Capital Ratio11.04%10.73%12.98%15.08%Beats 32%36 / 53
Total Risk-Based Capital Ratio12.19%11.49%13.79%16.34%Beats 36%34 / 53
Equity / Assets8.12%8.08%9.25%10.72%Beats 26%39 / 53
Liquidity & Funding
Loans / Deposits92.13%72.13%82.29%93.80%64th pctl19 / 53
Loans / Assets76.26%63.64%71.80%79.37%66th pctl18 / 53
Brokered Deposits / Depositsn/aNot reported for this institution