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Range Bank

Marquette, MI · Cert 5072 · Range Financial Corp.

State charter, non-member · FDIC · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=573 to 620). 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

61

Q2 2024Q2 2026peer median (50)

Asset Quality

92

Q2 2024Q2 2026peer median (50)

Profitability

72

Q2 2024Q2 2026peer median (50)

Liquidity

78

Q2 2024Q2 2026peer median

Efficiency

74

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 2026-10-10

Range Bank

Marquette, MI · Cert 5072 · Range Financial Corp.

State charter, non-member · FDIC · 9 branches

Q2 2026

$604.1MAssets
$377.6MLoans
$521.5MDeposits
$65.6MEquity
Loan mix
88%RE $337.0M10%C&I $39.3M1%Consumer $4.8MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $424.6M19%Noninterest $96.9MQ2 2025Q2 2026

NIM

4.18%Q2 ’244.66%Q2 ’255.05%Q2 ’26+32%+17%

Non-interest income vs. expense

2.24%Q2 ’242.65%Q2 ’252.68%Q2 ’26+22%-3%

Market Position · Green Bay, WI · 2026 SOD (annual) · 0.0% share · #20 of 20 inst. · $0.0B of $14.9B

27.9% Marquette
12.8% Houghton
5.1% Dickinson
0.0% Brown

Executive Summary

  • Earnings: ROA of 1.47%, up 50 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 0.03% of loans (-6 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.84%, up 52 bps from a year ago.
  • Funding: loans stand at 72.40% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.47%+50 bps YoY

Net Interest Margin (YTD, annualized)

3.72%+53 bps YoY

Efficiency Ratio (YTD, annualized)

59.21%-879 bps YoY

Tier 1 Leverage Ratio

10.84%+52 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.97%1.05%1.19%1.33%1.47%+50 bps
Return on Equity11.00%11.72%12.85%12.94%14.09%+308 bps
Net Interest Margin3.19%3.18%3.25%3.58%3.72%+53 bps
Efficiency Ratio68.00%66.24%63.07%60.55%59.21%-879 bps
Non-Interest Burden1.93%1.89%1.81%1.87%1.87%-7 bps
Growth
Asset Growth (YoY)0.92%3.26%3.08%6.29%5.03%+411 bps
Loan Growth (YoY)7.02%7.04%9.77%9.15%4.72%-230 bps
Deposit Growth (YoY)3.99%4.22%4.03%1.55%1.65%-234 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.05%0.04%0.03%0.03%-6 bps
Net Charge-Offs / Loans0.03%0.02%0.01%-0.02%-0.01%-4 bps
Allowance / Loans1.38%1.36%1.35%1.36%1.34%-3 bps
Allowance Coverage of NPLs14.9x29.7x34.9x41.9x46.9x+32.0x
Capital
Tier 1 Leverage Ratio10.32%9.94%10.13%10.35%10.84%+52 bps
Total Risk-Based Capital16.06%15.93%16.34%16.42%17.09%+103 bps
Equity / Assets10.06%9.50%10.21%10.30%10.85%+79 bps
Liquidity & Funding
Loans / Deposits70.28%66.32%70.71%71.10%72.40%+213 bps
Liquid Assets / Assets2.07%9.32%5.81%4.01%2.40%+32 bps
CRE / Total Capitaln/a339%347%343%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 2026-10-10

Range Bank

Marquette, MI · Cert 5072 · Peer group: banks under $1B in assets (n=573-620) · Range Financial Corp.

State charter, non-member · FDIC · 9 branches

Q2 2026

$604.1MAssets
$377.6MLoans
$521.5MDeposits
$65.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 162 of 573).
  • Widest gap: equity / assets trails 47% of banks under $1B in assets (rank 289 of 620).
  • Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

1.49%

Rank 144 of 620

Net Interest Margin

3.72%

Rank 251 of 620

Efficiency Ratio

59.21%

Rank 164 of 620

Equity / Assets

10.85%

Rank 289 of 620

Non-interest income vs. expense

$5.0M$16.5MINCOMEEXPENSE
Unfavorable gap of $11.5M · efficiency ratio beats 74% of banks under $1B in assets
Bank 59.21%Peer median 68.1%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.49%0.60%1.00%1.45%Beats 77%144 / 620
Return on Equity13.75%5.30%9.30%13.29%Beats 78%138 / 620
Net Interest Margin3.72%3.02%3.53%4.04%Beats 60%251 / 620
Efficiency Ratio59.21%58.35%68.08%79.37%Beats 74%164 / 620
Asset Quality
Nonperforming Loans / Loans0.03%0.09%0.47%1.27%Beats 83%101 / 573
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%162 / 573
Capital
Tier 1 Capital Ratio15.85%11.27%13.87%18.78%Beats 63%227 / 620
Total Risk-Based Capital Ratio17.09%11.69%14.57%19.67%Beats 67%206 / 620
Equity / Assets10.85%9.03%10.60%13.73%Beats 53%289 / 620
Liquidity & Funding
Loans / Deposits72.40%65.08%79.69%92.47%36th pctl373 / 585
Loans / Assets62.50%51.85%67.17%77.86%40th pctl371 / 620
Brokered Deposits / Depositsn/aNot reported for this institution