PackageTrendsPeer
Letter portraitLegal landscape

First National Bank Minnesota

Saint Peter, MN · Cert 5247 · Bancommunity Service Corp.

National charter · OCC · 4 branches

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=581 to 629). 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

45

Q2 2024Q2 2026peer median (50)

Asset Quality

23

Q2 2024Q2 2026peer median (50)

Profitability

66

Q2 2024Q2 2026peer median (50)

Liquidity

67

Q2 2024Q2 2026peer median

Efficiency

59

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 Minnesota

Saint Peter, MN · Cert 5247 · Bancommunity Service Corp.

National charter · OCC · 4 branches

Q2 2026

$437.8MAssets
$328.7MLoans
$373.1MDeposits
$43.3MEquity
Loan mix
84%RE $253.1M14%C&I $42.1M2%Consumer $6.2MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $295.2M21%Noninterest $77.9MQ2 2025Q2 2026

NIM

4.67%Q2 ’244.88%Q2 ’255.09%Q2 ’26+12%+9%

Non-interest income vs. expense

2.61%Q2 ’242.63%Q2 ’252.80%Q2 ’26-1%+10%

Market Position · Mankato, MN · 2026 SOD (annual) · 6.3% share · #5 of 19 inst. · $0.2B of $3.5B

4.5% Scott
15.0% Nicollet
3.8% Blue Earth
7.3% Sibley

Executive Summary

  • Earnings: ROA of 1.19%, up 111 bps year over year; NIM at 3.90%.
  • Asset quality: problem loans at 1.12% of loans (-22 bps YoY), with net charge-offs at 0.19%.
  • Capital: tier 1 leverage ratio of 9.81%, up 89 bps from a year ago.
  • Funding: loans stand at 88.09% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.19%+111 bps YoY

Net Interest Margin (YTD, annualized)

3.90%+33 bps YoY

Efficiency Ratio (YTD, annualized)

64.88%+110 bps YoY

Tier 1 Leverage Ratio

9.81%+89 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.08%0.44%0.64%1.22%1.19%+111 bps
Return on Equity0.95%5.10%7.32%12.56%12.17%+1,122 bps
Net Interest Margin3.58%3.59%3.57%3.78%3.90%+33 bps
Efficiency Ratio63.78%63.68%63.54%63.31%64.88%+110 bps
Non-Interest Burden2.13%2.11%2.09%2.17%2.35%+22 bps
Growth
Asset Growth (YoY)-3.21%-3.55%-1.17%-1.05%0.37%+358 bps
Loan Growth (YoY)-5.24%-4.29%-0.35%0.91%0.59%+582 bps
Deposit Growth (YoY)-4.71%-4.12%-1.80%-2.29%2.01%+672 bps
Asset Quality
Nonperforming Loans / Loans1.34%1.42%1.36%1.31%1.12%-22 bps
Net Charge-Offs / Loans1.98%1.42%1.03%0.24%0.19%-179 bps
Allowance / Loans1.45%1.40%1.34%1.32%1.29%-16 bps
Allowance Coverage of NPLs1.1x1.0x1.0x1.0x1.2x+0.1x
Capital
Tier 1 Leverage Ratio8.93%9.31%9.37%9.85%9.81%+89 bps
Total Risk-Based Capital13.24%13.76%13.65%14.26%14.43%+120 bps
Equity / Assets8.84%9.38%9.44%10.03%9.89%+106 bps
Liquidity & Funding
Loans / Deposits89.34%89.34%87.65%89.30%88.09%-125 bps
Liquid Assets / Assets0.70%0.52%1.16%0.56%0.66%-4 bps
CRE / Total Capitaln/a337%338%326%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 Minnesota

Saint Peter, MN · Cert 5247 · Peer group: banks under $1B in assets (n=581-629) · Bancommunity Service Corp.

National charter · OCC · 4 branches

Q2 2026

$437.8MAssets
$328.7MLoans
$373.1MDeposits
$43.3MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 69% of banks under $1B in assets (rank 195 of 629).
  • Widest gap: net charge-offs / loans trails 81% of banks under $1B in assets (rank 471 of 581).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.20%

Rank 240 of 629

Net Interest Margin

3.90%

Rank 195 of 629

Efficiency Ratio

64.88%

Rank 261 of 629

Equity / Assets

9.89%

Rank 384 of 629

Non-interest income vs. expense

$2.0M$12.3MINCOMEEXPENSE
Unfavorable gap of $10.3M · efficiency ratio beats 59% of banks under $1B in assets
Bank 64.88%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.20%0.60%1.01%1.45%Beats 62%240 / 629
Return on Equity12.12%5.38%9.30%13.28%Beats 68%202 / 629
Net Interest Margin3.90%3.03%3.54%4.05%Beats 69%195 / 629
Efficiency Ratio64.88%58.35%67.79%79.08%Beats 59%261 / 629
Asset Quality
Nonperforming Loans / Loans1.12%0.09%0.46%1.20%Beats 27%423 / 581
Net Charge-Offs / Loans0.10%n/a0.01%0.06%Beats 19%471 / 581
Capital
Tier 1 Capital Ratio13.18%11.24%13.84%18.77%Beats 45%344 / 629
Total Risk-Based Capital Ratio14.43%11.58%14.43%19.66%Beats 50%315 / 629
Equity / Assets9.89%9.09%10.65%13.80%Beats 39%384 / 629
Liquidity & Funding
Loans / Deposits88.09%67.24%80.90%93.48%65th pctl209 / 594
Loans / Assets75.09%53.31%67.71%78.15%66th pctl212 / 629
Brokered Deposits / Depositsn/aNot reported for this institution