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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