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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

4.62%Q2 ’245.03%Q2 ’255.33%Q2 ’26+17%+13%

Non-interest income vs. expense

2.27%Q2 ’242.33%Q2 ’252.68%Q2 ’26+2%+20%

Executive Summary

  • Earnings: ROA of 1.42%, up 15 bps year over year; NIM at 3.93%.
  • Asset quality: problem loans at 0.28% of loans (-112 bps YoY), with net charge-offs at 0.13%.
  • 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 (quarter, annualized)

1.42%+15 bps YoY

Net Interest Margin (quarter, annualized)

3.93%+46 bps YoY

Efficiency Ratio (quarter, annualized)

59.37%+189 bps YoY

Tier 1 Leverage Ratio

12.84%+12 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.26%1.37%1.16%1.65%1.42%+15 bps
Return on Equity10.65%11.27%9.41%13.43%11.32%+67 bps
Net Interest Margin3.47%3.77%3.69%3.77%3.93%+46 bps
Efficiency Ratio57.48%59.13%65.57%52.68%59.37%+189 bps
Non-Interest Burden1.72%1.97%2.19%1.61%2.07%+35 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%0.66%-0.50%0.13%+13 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