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Community First Bank

Menahga, MN · Cert 5197 · Menahga Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$126.5MAssets
$66.5MLoans
$108.4MDeposits
$16.0MEquity
Loan mix
56%RE $34.2M37%C&I $22.5M8%Consumer $4.8MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $88.3M19%Noninterest $20.2MQ2 2025Q2 2026

NIM

4.58%Q2 ’244.89%Q2 ’255.24%Q2 ’26+15%+15%

Non-interest income vs. expense

2.39%Q2 ’242.33%Q2 ’252.52%Q2 ’26-7%+15%

Executive Summary

  • Earnings: ROA of 1.53%, up 23 bps year over year; NIM at 3.83%.
  • Asset quality: problem loans at 0.28% of loans (-112 bps YoY), with net recoveries of 0.18%.
  • Capital: tier 1 leverage ratio of 12.84%, up 12 bps from a year ago.
  • Funding: loans stand at 61.31% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.53%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.83%+50 bps YoY

Efficiency Ratio (YTD, annualized)

56.04%-159 bps YoY

Tier 1 Leverage Ratio

12.84%+12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.30%1.33%1.29%1.65%1.53%+23 bps
Return on Equity11.25%11.26%10.87%13.43%12.35%+110 bps
Net Interest Margin3.33%3.43%3.42%3.77%3.83%+50 bps
Efficiency Ratio57.63%58.16%60.12%52.68%56.04%-159 bps
Non-Interest Burden1.59%1.70%1.78%1.61%1.83%+24 bps
Growth
Asset Growth (YoY)6.90%4.57%4.20%5.27%1.92%-498 bps
Loan Growth (YoY)-2.93%2.55%-1.56%-0.61%-1.45%+149 bps
Deposit Growth (YoY)5.66%4.53%3.55%5.56%2.11%-355 bps
Asset Quality
Nonperforming Loans / Loans1.41%1.17%0.90%0.18%0.28%-112 bps
Net Charge-Offs / Loans0.00%0.00%0.16%-0.50%-0.18%-18 bps
Allowance / Loans1.39%1.35%1.23%1.41%1.38%-2 bps
Allowance Coverage of NPLs1.0x1.2x1.4x7.9x4.9x+3.9x
Capital
Tier 1 Leverage Ratio12.72%12.82%12.09%12.79%12.84%+12 bps
Total Risk-Based Capital12.72%12.82%12.09%12.79%12.84%+12 bps
Equity / Assets11.98%12.34%12.23%12.36%12.64%+66 bps
Liquidity & Funding
Loans / Deposits63.52%64.15%63.08%60.42%61.31%-221 bps
Liquid Assets / Assets4.73%4.84%5.47%5.61%6.00%+127 bps
CRE / Total Capitaln/a83.47%76.02%65.31%n/an/a