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First National Bank of Coleraine, The

Coleraine, MN · Cert 5117 · Jan-Mar Corp.

National charter · OCC · 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 MN3

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 MN (n=111 to 113). 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

51

Q2 2024Q2 2026peer median (50)

Asset Quality

68

Q2 2024Q2 2026peer median (50)

Profitability

21

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

25

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

First National Bank of Coleraine, The

Coleraine, MN · Cert 5117 · Jan-Mar Corp.

National charter · OCC · 2 branches

Q2 2026

$112.0MAssets
$41.9MLoans
$105.1MDeposits
$6.6MEquity
Loan mix
89%RE $37.2M5%C&I $2.1M7%Consumer $2.8MQ3 2024Q2 2026
Deposit mix
83%Interest-bearing $87.0M17%Noninterest $18.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.65%, up 25 bps year over year; NIM at 2.61%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 7.63%, down 16 bps from a year ago.
  • Funding: loans stand at 39.81% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.65%+25 bps YoY

Net Interest Margin (YTD, annualized)

2.61%+35 bps YoY

Efficiency Ratio (YTD, annualized)

70.17%-1,067 bps YoY

Tier 1 Leverage Ratio

7.63%-16 bps YoY

NIM

3.38%Q2 ’243.66%Q2 ’254.01%Q2 ’26+7%+15%

Non-interest income vs. expense

2.22%Q2 ’242.09%Q2 ’251.95%Q2 ’26-6%+1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.23%0.26%0.27%0.40%0.38%0.45%0.50%0.65%+25 bps
Return on Equity5.08%5.56%5.51%7.72%7.23%8.32%8.57%11.18%+345 bps
Net Interest Margin2.12%2.19%2.17%2.26%2.25%2.25%2.46%2.61%+35 bps
Efficiency Ratio88.92%87.78%87.10%80.85%81.89%79.17%76.35%70.17%-1,067 bps
Non-Interest Burden1.85%1.88%1.85%1.77%1.79%1.70%1.84%1.79%+2 bps
Growth
Asset Growth (YoY)4.04%2.29%0.14%1.40%5.58%5.32%8.91%7.73%+632 bps
Loan Growth (YoY)1.78%4.19%0.73%1.10%0.14%0.31%2.53%0.00%-110 bps
Deposit Growth (YoY)3.33%1.92%3.91%5.03%6.82%4.04%8.30%7.31%+228 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.03%+3 bps
Allowance / Loans0.97%0.97%0.98%0.96%0.97%0.97%0.95%0.95%-1 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio7.67%7.71%7.86%7.79%7.64%7.43%7.61%7.63%-16 bps
Total Risk-Based Capital18.31%18.05%18.53%18.14%18.44%18.65%19.03%19.61%+146 bps
Equity / Assets5.21%4.73%5.20%5.55%5.56%5.88%5.70%5.90%+34 bps
Liquidity & Funding
Loans / Deposits42.29%41.94%42.08%42.72%39.65%40.44%39.84%39.81%-291 bps
Liquid Assets / Assets1.39%1.41%1.42%0.94%0.88%1.56%1.52%1.53%+59 bps
CRE / Total Capitaln/an/an/an/a202%192.73%185.48%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 Coleraine, The

Coleraine, MN · Cert 5117 · Peer group: banks under $1B in assets in MN (n=111-113) · Jan-Mar Corp.

National charter · OCC · 2 branches

Q2 2026

$112.0MAssets
$41.9MLoans
$105.1MDeposits
$6.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in MN (rank 12 of 111).
  • Widest gap: equity / assets trails 97% of banks under $1B in assets in MN (rank 110 of 113).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.65%

Rank 98 of 113

Net Interest Margin

2.61%

Rank 107 of 113

Efficiency Ratio

70.17%

Rank 86 of 113

Equity / Assets

5.90%

Rank 110 of 113

Non-interest income vs. expense

$0.2M$2.1MINCOMEEXPENSE
Unfavorable gap of $1.9M · efficiency ratio beats 25% of banks under $1B in assets in MN
Bank 70.17%Peer median 61.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.65%0.87%1.20%1.41%Beats 13%98 / 113
Return on Equity11.00%8.92%11.27%13.99%Beats 45%62 / 113
Net Interest Margin2.61%3.42%3.88%4.31%Beats 5%107 / 113
Efficiency Ratio70.17%54.13%61.48%69.86%Beats 25%86 / 113
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.58%1.82%Beats 100%12 / 111
Net Charge-Offs / Loans0.01%n/a0.00%0.04%Beats 35%73 / 111
Capital
Tier 1 Capital Ratio18.70%11.53%13.31%18.13%Beats 75%28 / 113
Total Risk-Based Capital Ratio19.61%12.12%14.43%19.39%Beats 75%28 / 113
Equity / Assets5.90%8.52%10.10%11.94%Beats 3%110 / 113
Liquidity & Funding
Loans / Deposits39.81%62.08%77.32%88.06%5th pctl106 / 111
Loans / Assets37.39%55.01%66.35%75.50%7th pctl105 / 113
Brokered Deposits / Depositsn/aNot reported for this institution