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Letter portraitLegal landscapeQuarterYTD

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 1.23%, up 27 bps year over year; NIM at 3.92%.
  • Asset quality: problem loans at 0.96% of loans (+12 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

1.23%+27 bps YoY

Net Interest Margin (quarter, annualized)

3.92%+27 bps YoY

Efficiency Ratio (quarter, annualized)

61.45%-474 bps YoY

Tier 1 Leverage Ratio

9.03%+14 bps YoY

NIM

5.37%Q2 ’245.78%Q2 ’255.90%Q2 ’26+18%+7%

Non-interest income vs. expense

2.69%Q2 ’242.82%Q2 ’252.82%Q2 ’26+6%-3%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.96%0.78%0.96%0.86%1.07%1.13%1.23%+27 bps
Return on Equity11.65%13.37%11.03%13.32%11.43%13.77%14.40%15.56%+224 bps
Net Interest Margin3.13%3.26%3.36%3.66%3.76%3.67%3.64%3.92%+27 bps
Efficiency Ratio71.92%66.29%70.55%66.19%69.97%65.91%62.25%61.45%-474 bps
Non-Interest Burden2.05%1.87%2.19%2.18%2.42%2.13%2.02%2.12%-6 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 / Loans0.00%0.15%0.23%0.17%0.09%0.41%-0.06%0.00%-18 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