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First National Bank of Chisholm, The

Chisholm, MN · Cert 5113

FDIC · 3 branches

Q3 2025

Board Package

Performance Trends and Peer Comparison

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

Basis

Quarter: Q3 2025, the quarter ended September 30, 2025, 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=535 to 585). 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

13

Q2 2024Q3 2025peer median (50)

Asset Quality

3

Q2 2024Q3 2025peer median (50)

Profitability

28

Q2 2024Q3 2025peer median (50)

Liquidity

0

Q2 2024Q3 2025peer median

Efficiency

29

Q2 2024Q3 2025peer 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

First National Bank of Chisholm, The

Chisholm, MN · Cert 5113

FDIC · 3 branches

Q3 2025

$79.0MAssets
$30.7MLoans
$71.8MDeposits
$7.0MEquity
Loan mix
67%RE $20.3M2%C&I $0.6M31%Consumer $9.5MQ3 2024Q3 2025
Deposit mix
73%Interest-bearing $52.7M27%Noninterest $19.1MQ3 2024Q3 2025

NIM

4.81%Q3 ’234.44%Q3 ’244.41%Q3 ’25-13%-3%

Non-interest income vs. expense

3.71%Q3 ’233.36%Q3 ’242.98%Q3 ’25-10%-14%

Market Position · Duluth, MN-WI · 2025 SOD (annual) · 1.1% share · #14 of 27 inst. · $0.1B of $6.2B

Executive Summary

  • Earnings: ROA of 0.22%, down 8 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 3.75% of loans (-53 bps YoY), with net charge-offs at 1.49%.
  • Capital: tier 1 leverage ratio of 9.88%, unchanged from a year ago.
  • Funding: loans stand at 42.81% of deposits as of Q3 2025.

Financial Results

Return on Assets (YTD, annualized)

0.22%-8 bps YoY

Net Interest Margin (YTD, annualized)

3.63%-12 bps YoY

Efficiency Ratio (YTD, annualized)

76.57%-846 bps YoY

Tier 1 Leverage Ratio

9.88%0 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets0.30%0.20%0.26%0.29%0.22%-8 bps
Return on Equity3.53%2.36%3.14%3.47%2.62%-91 bps
Net Interest Margin3.75%3.64%3.51%3.70%3.63%-12 bps
Efficiency Ratio85.04%86.59%79.65%78.32%76.57%-846 bps
Non-Interest Burden3.15%3.12%2.75%2.84%2.71%-44 bps
Growth
Asset Growth (YoY)0.23%-1.56%0.10%0.54%-1.06%-129 bps
Loan Growth (YoY)-14.58%-15.49%-15.94%-17.34%-17.42%-284 bps
Deposit Growth (YoY)-0.40%-1.94%0.07%3.38%-1.05%-65 bps
Asset Quality
Nonperforming Loans / Loans4.28%4.74%4.46%3.60%3.75%-53 bps
Net Charge-Offs / Loans0.83%0.90%1.10%1.59%1.49%+66 bps
Allowance / Loans1.06%1.13%1.18%1.05%1.41%+35 bps
Allowance Coverage of NPLs0.2x0.2x0.3x0.3x0.4x+0.1x
Capital
Tier 1 Leverage Ratio9.88%9.66%9.74%10.17%9.88%0 bps
Total Risk-Based Capital9.88%9.66%9.74%10.17%9.88%0 bps
Equity / Assets9.01%8.31%8.38%8.18%8.89%-13 bps
Liquidity & Funding
Loans / Deposits51.30%48.67%46.36%44.94%42.81%-848 bps
Liquid Assets / Assets0.72%1.32%0.42%1.05%0.80%+8 bps
CRE / Total Capitaln/an/an/an/a40.95%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

First National Bank of Chisholm, The

Chisholm, MN · Cert 5113 · Peer group: banks under $1B in assets (n=535-585)

FDIC · 3 branches

Q3 2025

$79.0MAssets
$30.7MLoans
$71.8MDeposits
$7.0MEquity

Executive Summary

  • Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets (rank 316 of 546).
  • Widest gap: net charge-offs / loans trails 98% of banks under $1B in assets (rank 526 of 535).
  • Overall: at or above the peer median on 2 of 10 directional measures.

Return on Assets

0.22%

Rank 518 of 585

Net Interest Margin

3.63%

Rank 228 of 584

Efficiency Ratio

76.57%

Rank 417 of 584

Equity / Assets

8.89%

Rank 428 of 584

Non-interest income vs. expense

$0.2M$2.4MINCOMEEXPENSE
Unfavorable gap of $2.2M · efficiency ratio beats 29% of banks under $1B in assets
Bank 76.57%Peer median 67.6%Q2 2024Q3 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.22%0.60%0.98%1.45%Beats 11%518 / 585
Return on Equity2.48%5.86%9.54%12.76%Beats 13%509 / 584
Net Interest Margin3.63%2.90%3.43%3.93%Beats 61%228 / 584
Efficiency Ratio76.57%57.87%67.56%78.72%Beats 29%417 / 584
Asset Quality
Nonperforming Loans / Loans3.75%0.06%0.38%1.05%Beats 4%515 / 535
Net Charge-Offs / Loans1.36%0.00%0.02%0.10%Beats 2%526 / 535
Capital
Tier 1 Capital Ratio9.88%11.47%13.94%18.44%Beats 6%548 / 584
Total Risk-Based Capital Ratio9.88%11.93%14.43%19.34%Beats 5%552 / 584
Equity / Assets8.89%8.74%10.51%13.41%Beats 27%428 / 584
Liquidity & Funding
Loans / Deposits42.81%63.70%78.89%91.92%6th pctl511 / 546
Loans / Assets38.91%55.77%68.46%77.90%6th pctl504 / 535
Brokered Deposits / Deposits0.00%n/an/a4.01%Beats 100%316 / 546