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Community Resource Bank

Northfield, MN · Cert 5219 · Midcountry Acquisition Corp.

State charter, Fed member · FED · 4 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

59

Q2 2024Q2 2026peer median (50)

Asset Quality

22

Q2 2024Q2 2026peer median (50)

Profitability

63

Q2 2024Q2 2026peer median (50)

Liquidity

54

Q2 2024Q2 2026peer median

Efficiency

73

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

Community Resource Bank

Northfield, MN · Cert 5219 · Midcountry Acquisition Corp.

State charter, Fed member · FED · 3 affiliate banks · 4 branches (26 in holding)

Q2 2026

$556.4MAssets
$415.6MLoans
$471.8MDeposits
$63.7MEquity
Loan mix
86%RE $337.2M12%C&I $46.2M2%Consumer $7.1MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $379.2M20%Noninterest $92.6MQ2 2025Q2 2026

NIM

5.10%Q2 ’244.92%Q2 ’255.30%Q2 ’26+7%+15%

Non-interest income vs. expense

2.59%Q2 ’242.59%Q2 ’252.45%Q2 ’26+4%-14%

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.0% share · #100 of 125 inst. · $0.1B of $253.2B

19.2% Rice
0.1% Ramsey
3.4% Goodhue

Executive Summary

  • Earnings: ROA of 1.40%, up 30 bps year over year; NIM at 3.96%.
  • Asset quality: problem loans at 1.09% of loans (+5 bps YoY), with net charge-offs at 0.38%.
  • Capital: tier 1 leverage ratio of 10.52%, up 30 bps from a year ago.
  • Funding: loans stand at 88.11% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.40%+30 bps YoY

Net Interest Margin (YTD, annualized)

3.96%+51 bps YoY

Efficiency Ratio (YTD, annualized)

54.37%-1,308 bps YoY

Tier 1 Leverage Ratio

10.52%+30 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.10%1.02%1.10%1.64%1.40%+30 bps
Return on Equity10.54%9.57%10.07%14.54%12.37%+182 bps
Net Interest Margin3.45%3.51%3.61%3.81%3.96%+51 bps
Efficiency Ratio67.45%66.48%65.40%50.92%54.37%-1,308 bps
Non-Interest Burden2.16%2.15%2.16%1.51%1.86%-30 bps
Growth
Asset Growth (YoY)42.28%42.24%43.72%51.17%3.03%-3,925 bps
Loan Growth (YoY)27.27%25.90%27.54%25.40%4.34%-2,294 bps
Deposit Growth (YoY)41.42%44.75%48.29%57.05%4.38%-3,704 bps
Asset Quality
Nonperforming Loans / Loans1.04%1.53%1.37%1.37%1.09%+5 bps
Net Charge-Offs / Loans0.13%0.09%0.07%-0.02%0.38%+25 bps
Allowance / Loans1.36%1.45%1.43%1.45%1.32%-4 bps
Allowance Coverage of NPLs1.3x0.9x1.0x1.1x1.2x-0.1x
Capital
Tier 1 Leverage Ratio10.22%10.47%10.74%10.39%10.52%+30 bps
Total Risk-Based Capital14.92%15.46%15.26%15.35%15.22%+30 bps
Equity / Assets10.91%11.29%11.58%11.02%11.45%+54 bps
Liquidity & Funding
Loans / Deposits88.14%87.83%90.75%83.09%88.11%-4 bps
Liquid Assets / Assets1.17%1.48%0.77%5.11%2.05%+88 bps
CRE / Total Capitaln/a365%370%369%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

Community Resource Bank

Northfield, MN · Cert 5219 · Peer group: banks under $1B in assets in MN (n=111-113) · Midcountry Acquisition Corp.

State charter, Fed member · FED · 3 affiliate banks · 4 branches (26 in holding)

Q2 2026

$556.4MAssets
$415.6MLoans
$471.8MDeposits
$63.7MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 73% of banks under $1B in assets in MN (rank 31 of 113).
  • Widest gap: net charge-offs / loans trails 89% of banks under $1B in assets in MN (rank 100 of 111).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.41%

Rank 31 of 113

Net Interest Margin

3.96%

Rank 50 of 113

Efficiency Ratio

54.37%

Rank 31 of 113

Equity / Assets

11.45%

Rank 36 of 113

Non-interest income vs. expense

$3.4M$14.1MINCOMEEXPENSE
Unfavorable gap of $10.7M · efficiency ratio beats 73% of banks under $1B in assets in MN
Bank 54.37%Peer median 61.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.41%0.87%1.20%1.41%Beats 73%31 / 113
Return on Equity12.28%8.92%11.27%13.99%Beats 59%46 / 113
Net Interest Margin3.96%3.42%3.88%4.31%Beats 56%50 / 113
Efficiency Ratio54.37%54.13%61.48%69.86%Beats 73%31 / 113
Asset Quality
Nonperforming Loans / Loans1.09%0.09%0.58%1.82%Beats 33%75 / 111
Net Charge-Offs / Loans0.20%n/a0.00%0.04%Beats 11%100 / 111
Capital
Tier 1 Capital Ratio13.97%11.53%13.31%18.13%Beats 54%52 / 113
Total Risk-Based Capital Ratio15.22%12.12%14.43%19.39%Beats 55%51 / 113
Equity / Assets11.45%8.52%10.10%11.94%Beats 68%36 / 113
Liquidity & Funding
Loans / Deposits88.11%62.08%77.32%88.06%76th pctl27 / 111
Loans / Assets74.70%55.01%66.35%75.50%71st pctl33 / 113
Brokered Deposits / Depositsn/aNot reported for this institution