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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 1.18%, 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