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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 assets3

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 (n=570 to 617). 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

61

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

29

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 (n=570-617)

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 (rank 78 of 570).
  • Widest gap: equity / assets trails 84% of banks under $1B in assets (rank 517 of 617).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.58%

Rank 472 of 617

Net Interest Margin

3.40%

Rank 357 of 617

Efficiency Ratio

77.12%

Rank 438 of 617

Equity / Assets

8.41%

Rank 517 of 617

Non-interest income vs. expense

$54K$964KINCOMEEXPENSE
Unfavorable gap of $910K · efficiency ratio beats 29% of banks under $1B in assets
Bank 77.12%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.58%0.60%1.01%1.45%Beats 24%472 / 617
Return on Equity6.85%5.30%9.43%13.30%Beats 32%419 / 617
Net Interest Margin3.40%3.04%3.54%4.05%Beats 42%357 / 617
Efficiency Ratio77.12%58.03%67.76%79.08%Beats 29%438 / 617
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.47%1.27%Beats 100%78 / 570
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%160 / 570
Capital
Tier 1 Capital Ratio25.38%11.18%13.83%18.55%Beats 84%100 / 617
Total Risk-Based Capital Ratio26.18%11.56%14.39%19.39%Beats 84%99 / 617
Equity / Assets8.41%9.03%10.55%13.63%Beats 16%517 / 617
Liquidity & Funding
Loans / Deposits44.73%64.77%79.70%93.06%9th pctl531 / 582
Loans / Assets40.91%51.70%67.18%77.51%16th pctl517 / 617
Brokered Deposits / Depositsn/aNot reported for this institution