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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=570 to 617). 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

71

Q2 2024Q2 2026peer median (50)

Liquidity

78

Q2 2024Q2 2026peer median

Efficiency

73

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

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 $4.8MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $424.6M19%Noninterest $96.9MQ3 2024Q2 2026

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets0.71%0.72%0.94%0.97%1.05%1.19%1.33%1.47%+50 bps
Net Interest Margin2.52%2.57%3.05%3.19%3.18%3.25%3.58%3.72%+53 bps
Non-Interest Burden1.66%1.75%1.83%1.93%1.89%1.81%1.87%1.87%-7 bps
Loan Growth (YoY)1.78%2.38%4.11%7.02%7.04%9.77%9.15%4.72%-230 bps
Nonperforming Loans / Loans0.08%0.09%0.10%0.09%0.05%0.04%0.03%0.03%-6 bps
Allowance / Loans1.55%1.44%1.43%1.38%1.36%1.35%1.36%1.34%-3 bps
Tier 1 Leverage Ratio8.30%8.32%8.95%10.32%9.94%10.13%10.35%10.84%+52 bps
Equity / Assets7.56%7.93%8.44%10.06%9.50%10.21%10.30%10.85%+79 bps
Liquid Assets / Assets10.61%9.94%7.22%2.07%9.32%5.81%4.01%2.40%+32 bps

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

Range Bank

Marquette, MI · Cert 5072 · Peer group: banks under $1B in assets (n=570-617) · Range Financial Corp.

State charter, non-member · FDIC · 9 branches

Q2 2026

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

Return on Assets

1.49%

Rank 144 of 617

Net Interest Margin

3.72%

Rank 256 of 617

Efficiency Ratio

59.21%

Rank 168 of 617

Equity / Assets

10.85%

Rank 289 of 617

Non-interest income vs. expense

$5.0M$16.5MINCOMEEXPENSE
Unfavorable gap of $11.5M · efficiency ratio beats 73% of banks under $1B in assets
Bank 59.21%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Return on Assets1.49%0.60%1.01%1.45%Beats 77%144 / 617
Net Interest Margin3.72%3.04%3.54%4.05%Beats 59%256 / 617
Nonperforming Loans / Loans0.03%0.09%0.47%1.27%Beats 83%99 / 570
Tier 1 Capital Ratio15.85%11.18%13.83%18.55%Beats 64%224 / 617
Equity / Assets10.85%9.03%10.55%13.63%Beats 53%289 / 617
Loans / Assets62.50%51.70%67.18%77.51%40th pctl369 / 617