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First National Bank of Proctor, The

Proctor, MN · Cert 5232

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

67

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

26

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

22

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

First National Bank of Proctor, The

Proctor, MN · Cert 5232

National charter · OCC · 1 branch

Q2 2026

$34.0MAssets
$13.9MLoans
$31.1MDeposits
$2.9MEquity
Loan mix
90%RE $12.3M2%C&I $0.2M8%Consumer $1.1MQ3 2024Q2 2026
Deposit mix
71%Interest-bearing $22.2M29%Noninterest $8.9MQ3 2024Q2 2026

Market Position · Duluth, MN-WI · 2026 SOD (annual) · 0.5% share · #22 of 26 inst. · $0.0B of $6.6B

Executive Summary

  • Earnings: ROA of 0.57%, up 6 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 0.00% of loans (-5 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.47%, up 23 bps from a year ago.
  • Funding: loans stand at 44.73% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.57%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.40%+9 bps YoY

Efficiency Ratio (YTD, annualized)

77.12%-248 bps YoY

Tier 1 Leverage Ratio

8.47%+23 bps YoY

NIM

3.98%Q2 ’244.09%Q2 ’254.25%Q2 ’260%+3%

Non-interest income vs. expense

3.44%Q2 ’242.78%Q2 ’252.74%Q2 ’26-18%0%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.23%0.27%0.56%0.51%0.60%0.45%0.59%0.57%+6 bps
Return on Equity3.02%3.47%7.33%6.60%7.65%5.65%7.25%6.93%+33 bps
Net Interest Margin3.30%3.32%3.38%3.31%3.33%3.38%3.32%3.40%+9 bps
Efficiency Ratio91.23%89.88%78.11%79.60%77.14%82.79%75.92%77.12%-248 bps
Non-Interest Burden2.99%2.96%2.59%2.60%2.53%2.77%2.49%2.58%-1 bps
Growth
Asset Growth (YoY)3.27%3.87%6.99%10.93%10.75%7.42%3.52%0.35%-1,058 bps
Loan Growth (YoY)0.85%-0.66%-2.72%-4.52%-7.64%-7.95%-8.72%-4.83%-31 bps
Deposit Growth (YoY)1.60%3.84%6.77%10.54%10.55%6.62%2.98%-0.12%-1,066 bps
Asset Quality
Nonperforming Loans / Loans0.07%0.07%0.06%0.05%0.05%0.04%0.04%0.00%-5 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.61%0.62%0.63%0.65%0.67%0.68%0.69%0.68%+3 bps
Allowance Coverage of NPLs8.5x9.4x10.6x11.9x13.6x15.7x18.8xn/an/a
Capital
Tier 1 Leverage Ratio8.54%8.58%8.48%8.24%8.24%8.28%8.49%8.47%+23 bps
Total Risk-Based Capital22.51%23.41%23.31%24.85%25.47%25.73%25.75%26.18%+134 bps
Equity / Assets8.06%7.61%7.73%7.98%8.11%8.20%8.10%8.41%+43 bps
Liquidity & Funding
Loans / Deposits54.12%50.89%48.73%46.94%45.21%43.94%43.20%44.73%-221 bps
Liquid Assets / Assets15.61%14.36%13.45%15.01%16.61%17.08%13.91%14.13%-88 bps
CRE / Total Capitaln/an/an/an/a45.63%44.06%42.28%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

First National Bank of Proctor, The

Proctor, MN · Cert 5232 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

National charter · OCC · 1 branch

Q2 2026

$34.0MAssets
$13.9MLoans
$31.1MDeposits
$2.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
  • Widest gap: return on assets trails 83% of banks under $1B in assets operating in a single state (rank 617 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.58%

Rank 617 of 746

Net Interest Margin

3.40%

Rank 487 of 746

Efficiency Ratio

77.12%

Rank 580 of 746

Equity / Assets

8.41%

Rank 609 of 746

Non-interest income vs. expense

$54K$964KINCOMEEXPENSE
Unfavorable gap of $910K · efficiency ratio beats 22% of banks under $1B in assets operating in a single state
Bank 77.12%Peer median 64.6%Q4 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.58%0.72%1.06%1.45%Beats 17%617 / 746
Return on Equity6.85%6.74%10.51%13.63%Beats 26%550 / 746
Net Interest Margin3.40%3.17%3.68%4.16%Beats 35%487 / 746
Efficiency Ratio77.12%55.74%64.58%75.47%Beats 22%580 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 100%105 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743n/a
Capital
Tier 1 Capital Ratio25.38%11.55%13.75%17.60%Beats 92%62 / 746
Total Risk-Based Capital Ratio26.18%11.71%14.33%18.43%Beats 92%63 / 746
Equity / Assets8.41%8.90%10.51%13.06%Beats 18%609 / 746
Liquidity & Funding
Loans / Deposits44.73%61.31%78.27%90.78%8th pctl685 / 746
Loans / Assets40.91%53.60%66.97%76.08%11th pctl666 / 746
Brokered Deposits / Depositsn/aNot reported for this institution