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Minnesota National Bank

Sauk Centre, MN · Cert 5249 · Sauk Ctr Finl Services Inc.

National charter · OCC · 3 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

35

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

78

Q2 2024Q2 2026peer median (50)

Liquidity

37

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

Minnesota National Bank

Sauk Centre, MN · Cert 5249 · Sauk Ctr Finl Services Inc.

National charter · OCC · 3 branches

Q2 2026

$298.4MAssets
$240.8MLoans
$253.9MDeposits
$30.3MEquity
Loan mix
83%RE $180.8M14%C&I $30.5M3%Consumer $7.5MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $217.8M14%Noninterest $36.1MQ2 2025Q2 2026

NIM

5.11%Q2 ’245.45%Q2 ’255.68%Q2 ’26+17%+18%

Non-interest income vs. expense

2.50%Q2 ’242.55%Q2 ’252.82%Q2 ’26+5%+12%

Market Position · St. Cloud, MN · 2026 SOD (annual) · 2.2% share · #13 of 32 inst. · $0.2B of $7.9B

2.4% Stearns
13.1% Todd
1.2% Otter Tail

Executive Summary

  • Earnings: ROA of 1.43%, up 24 bps year over year; NIM at 4.22%.
  • Asset quality: problem loans at 0.49% of loans (+34 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.77%, up 99 bps from a year ago.
  • Funding: loans stand at 94.84% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.43%+24 bps YoY

Net Interest Margin (YTD, annualized)

4.22%+65 bps YoY

Efficiency Ratio (YTD, annualized)

59.61%-307 bps YoY

Tier 1 Leverage Ratio

9.77%+99 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.19%1.28%1.31%1.35%1.43%+24 bps
Return on Equity13.41%14.07%14.05%13.12%14.01%+60 bps
Net Interest Margin3.57%3.69%3.82%4.09%4.22%+65 bps
Efficiency Ratio62.69%61.15%62.05%62.77%59.61%-307 bps
Non-Interest Burden2.01%2.00%2.12%2.33%2.26%+24 bps
Growth
Asset Growth (YoY)1.28%-2.56%-3.69%-5.95%-2.13%-342 bps
Loan Growth (YoY)8.23%4.19%3.05%-1.84%3.25%-499 bps
Deposit Growth (YoY)-0.88%-3.75%-2.60%2.85%4.97%+585 bps
Asset Quality
Nonperforming Loans / Loans0.15%0.09%0.09%0.42%0.49%+34 bps
Net Charge-Offs / Loans0.02%0.01%0.01%0.00%0.00%-1 bps
Allowance / Loans1.08%1.11%1.08%1.08%1.06%-2 bps
Allowance Coverage of NPLs7.4x12.8x12.4x2.6x2.2x-5.2x
Capital
Tier 1 Leverage Ratio8.78%9.01%9.24%9.57%9.77%+99 bps
Total Risk-Based Capital12.17%12.63%12.95%13.07%12.61%+44 bps
Equity / Assets9.18%9.80%10.17%10.36%10.15%+97 bps
Liquidity & Funding
Loans / Deposits96.43%94.03%92.68%90.29%94.84%-158 bps
Liquid Assets / Assets2.23%1.29%1.66%1.24%1.32%-91 bps
CRE / Total Capitaln/a323%307%307%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

Minnesota National Bank

Sauk Centre, MN · Cert 5249 · Peer group: banks under $1B in assets (n=581-629) · Sauk Ctr Finl Services Inc.

National charter · OCC · 3 branches

Q2 2026

$298.4MAssets
$240.8MLoans
$253.9MDeposits
$30.3MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 82% of banks under $1B in assets (rank 115 of 629).
  • Widest gap: tier 1 capital ratio trails 71% of banks under $1B in assets (rank 448 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.40%

Rank 169 of 629

Net Interest Margin

4.22%

Rank 115 of 629

Efficiency Ratio

59.61%

Rank 173 of 629

Equity / Assets

10.15%

Rank 368 of 629

Non-interest income vs. expense

$1.6M$8.2MINCOMEEXPENSE
Unfavorable gap of $6.5M · efficiency ratio beats 73% of banks under $1B in assets
Bank 59.61%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.40%0.60%1.01%1.45%Beats 73%169 / 629
Return on Equity13.81%5.38%9.30%13.28%Beats 78%138 / 629
Net Interest Margin4.22%3.03%3.54%4.05%Beats 82%115 / 629
Efficiency Ratio59.61%58.35%67.79%79.08%Beats 73%173 / 629
Asset Quality
Nonperforming Loans / Loans0.49%0.09%0.46%1.20%Beats 48%302 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 69%184 / 581
Capital
Tier 1 Capital Ratio11.55%11.24%13.84%18.77%Beats 29%448 / 629
Total Risk-Based Capital Ratio12.61%11.58%14.43%19.66%Beats 34%412 / 629
Equity / Assets10.15%9.09%10.65%13.80%Beats 41%368 / 629
Liquidity & Funding
Loans / Deposits94.84%67.24%80.90%93.48%78th pctl131 / 594
Loans / Assets80.69%53.31%67.71%78.15%82nd pctl111 / 629
Brokered Deposits / Depositsn/aNot reported for this institution