PackageTrendsPeer
Letter portraitLegal landscape

My Kind of Bank, National Association

Ottertail, MN · Cert 5162 · Henning Bancshares Inc.

National charter · OCC · 5 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

28

Q2 2024Q2 2026peer median (50)

Asset Quality

51

Q2 2024Q2 2026peer median (50)

Profitability

57

Q2 2024Q2 2026peer median (50)

Liquidity

82

Q2 2024Q2 2026peer median

Efficiency

48

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

My Kind of Bank, National Association

Ottertail, MN · Cert 5162 · Henning Bancshares Inc.

National charter · OCC · 5 branches

Q2 2026

$422.6MAssets
$314.6MLoans
$385.6MDeposits
$34.0MEquity
Loan mix
87%RE $248.6M7%C&I $20.1M6%Consumer $18.5MQ3 2024Q2 2026
Deposit mix
89%Interest-bearing $343.4M11%Noninterest $42.3MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.18%, up 31 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 0.96% of loans (+12 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 9.03%, up 14 bps from a year ago.
  • Funding: loans stand at 81.58% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.18%+31 bps YoY

Net Interest Margin (YTD, annualized)

3.76%+29 bps YoY

Efficiency Ratio (YTD, annualized)

61.83%-641 bps YoY

Tier 1 Leverage Ratio

9.03%+14 bps YoY

NIM

5.11%Q2 ’245.60%Q2 ’255.72%Q2 ’26+20%+8%

Non-interest income vs. expense

2.53%Q2 ’242.74%Q2 ’252.71%Q2 ’26+8%-5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.74%0.80%0.78%0.87%0.87%0.92%1.13%1.18%+31 bps
Return on Equity10.37%11.29%11.03%12.17%11.88%12.43%14.40%14.94%+277 bps
Net Interest Margin2.90%2.94%3.36%3.47%3.50%3.47%3.64%3.76%+29 bps
Efficiency Ratio73.77%71.63%70.55%68.24%68.86%68.05%62.25%61.83%-641 bps
Non-Interest Burden1.97%1.91%2.19%2.16%2.21%2.14%2.02%2.06%-10 bps
Growth
Asset Growth (YoY)17.20%14.82%5.51%6.91%6.53%10.31%10.40%7.27%+36 bps
Loan Growth (YoY)18.90%21.61%14.30%12.64%10.97%6.27%6.50%7.16%-548 bps
Deposit Growth (YoY)22.03%23.20%5.49%6.94%7.24%12.03%12.36%8.36%+142 bps
Asset Quality
Nonperforming Loans / Loans0.44%0.93%1.13%0.84%0.88%0.73%0.91%0.96%+12 bps
Net Charge-Offs / Loans-0.09%-0.03%0.23%0.20%0.16%0.22%-0.06%-0.03%-23 bps
Allowance / Loans1.19%1.12%1.09%1.09%1.11%1.07%1.12%1.14%+5 bps
Allowance Coverage of NPLs2.7x1.2x1.0x1.3x1.3x1.5x1.2x1.2x-0.1x
Capital
Tier 1 Leverage Ratio8.66%8.75%9.01%8.89%8.83%8.78%9.04%9.03%+14 bps
Total Risk-Based Capital12.94%12.91%13.24%12.74%12.92%13.05%12.85%13.04%+31 bps
Equity / Assets7.46%6.95%7.15%7.31%7.70%7.84%7.82%8.05%+74 bps
Liquidity & Funding
Loans / Deposits79.45%82.21%82.94%82.50%82.22%77.99%78.62%81.58%-92 bps
Liquid Assets / Assets0.50%0.43%0.71%0.44%0.49%3.63%3.53%1.37%+93 bps
CRE / Total Capitaln/an/an/an/a293%274%267%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

My Kind of Bank, National Association

Ottertail, MN · Cert 5162 · Peer group: banks under $1B in assets in MN (n=111-113) · Henning Bancshares Inc.

National charter · OCC · 5 branches

Q2 2026

$422.6MAssets
$314.6MLoans
$385.6MDeposits
$34.0MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 79% of banks under $1B in assets in MN (rank 24 of 113).
  • Widest gap: equity / assets trails 85% of banks under $1B in assets in MN (rank 96 of 113).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.17%

Rank 58 of 113

Net Interest Margin

3.76%

Rank 66 of 113

Efficiency Ratio

61.83%

Rank 60 of 113

Equity / Assets

8.05%

Rank 96 of 113

Non-interest income vs. expense

$2.7M$11.4MINCOMEEXPENSE
Unfavorable gap of $8.6M · efficiency ratio beats 48% of banks under $1B in assets in MN
Bank 61.83%Peer median 61.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.17%0.87%1.20%1.41%Beats 49%58 / 113
Return on Equity14.60%8.92%11.27%13.99%Beats 79%24 / 113
Net Interest Margin3.76%3.42%3.88%4.31%Beats 42%66 / 113
Efficiency Ratio61.83%54.13%61.48%69.86%Beats 48%60 / 113
Asset Quality
Nonperforming Loans / Loans0.96%0.09%0.58%1.82%Beats 41%68 / 111
Net Charge-Offs / Loans0.00%n/a0.00%0.04%Beats 61%44 / 111
Capital
Tier 1 Capital Ratio11.89%11.53%13.31%18.13%Beats 31%78 / 113
Total Risk-Based Capital Ratio13.04%12.12%14.43%19.39%Beats 39%69 / 113
Equity / Assets8.05%8.52%10.10%11.94%Beats 15%96 / 113
Liquidity & Funding
Loans / Deposits81.58%62.08%77.32%88.06%59th pctl45 / 111
Loans / Assets74.46%55.01%66.35%75.50%68th pctl36 / 113
Brokered Deposits / Depositsn/aNot reported for this institution