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Community Bank Owatonna

Owatonna, MN · Cert 57468 · Community Financial Corp.

State charter, non-member · FDIC · 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 in MN3

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 in MN (n=111 to 113). 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

17

Q2 2024Q2 2026peer median (50)

Asset Quality

79

Q2 2024Q2 2026peer median (50)

Profitability

30

Q2 2024Q2 2026peer median (50)

Liquidity

100

Q2 2024Q2 2026peer median

Efficiency

30

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

Community Bank Owatonna

Owatonna, MN · Cert 57468 · Community Financial Corp.

State charter, non-member · FDIC · 1 branch

Q2 2026

$103.3MAssets
$73.2MLoans
$94.7MDeposits
$7.3MEquity
Loan mix
83%RE $59.0M15%C&I $10.6M2%Consumer $1.3MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $77.7M18%Noninterest $16.9MQ2 2025Q2 2026

NIM

4.58%Q2 ’244.86%Q2 ’255.29%Q2 ’26+18%+22%

Non-interest income vs. expense

2.30%Q2 ’242.29%Q2 ’252.38%Q2 ’26+1%+5%

Executive Summary

  • Earnings: ROA of 0.81%, up 41 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 0.42% of loans (+42 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 7.98%, up 29 bps from a year ago.
  • Funding: loans stand at 77.32% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.81%+41 bps YoY

Net Interest Margin (YTD, annualized)

3.31%+59 bps YoY

Efficiency Ratio (YTD, annualized)

67.21%-1,001 bps YoY

Tier 1 Leverage Ratio

7.98%+29 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.40%0.56%0.63%0.84%0.81%+41 bps
Return on Equity6.49%8.97%9.93%12.14%11.59%+510 bps
Net Interest Margin2.71%2.76%2.95%3.43%3.31%+59 bps
Efficiency Ratio77.22%71.80%69.26%65.64%67.21%-1,001 bps
Non-Interest Burden2.04%1.87%1.92%2.16%2.14%+11 bps
Growth
Asset Growth (YoY)5.05%2.56%5.67%6.00%9.81%+476 bps
Loan Growth (YoY)4.96%4.81%13.15%11.23%12.25%+730 bps
Deposit Growth (YoY)4.97%2.06%4.66%5.74%9.59%+462 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.39%0.38%0.42%+42 bps
Net Charge-Offs / Loans0.23%0.15%0.10%0.00%0.00%-23 bps
Allowance / Loans0.90%0.95%0.93%0.94%0.98%+8 bps
Allowance Coverage of NPLsn/an/a2.4x2.5x2.3xn/a
Capital
Tier 1 Leverage Ratio7.68%7.46%8.18%8.49%7.98%+29 bps
Total Risk-Based Capital11.76%11.49%11.80%12.04%12.18%+42 bps
Equity / Assets6.42%6.35%6.95%6.90%7.02%+60 bps
Liquidity & Funding
Loans / Deposits75.49%76.00%79.71%79.58%77.32%+183 bps
Liquid Assets / Assets1.04%1.03%1.00%0.98%0.95%-9 bps
CRE / Total Capitaln/a268%267%264%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

Community Bank Owatonna

Owatonna, MN · Cert 57468 · Peer group: banks under $1B in assets in MN (n=111-113) · Community Financial Corp.

State charter, non-member · FDIC · 1 branch

Q2 2026

$103.3MAssets
$73.2MLoans
$94.7MDeposits
$7.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in MN (rank 36 of 111).
  • Widest gap: equity / assets trails 93% of banks under $1B in assets in MN (rank 105 of 113).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.79%

Rank 90 of 113

Net Interest Margin

3.31%

Rank 88 of 113

Efficiency Ratio

67.21%

Rank 80 of 113

Equity / Assets

7.02%

Rank 105 of 113

Non-interest income vs. expense

$0.2M$2.5MINCOMEEXPENSE
Unfavorable gap of $2.2M · efficiency ratio beats 30% of banks under $1B in assets in MN
Bank 67.21%Peer median 61.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.79%0.87%1.20%1.41%Beats 20%90 / 113
Return on Equity11.20%8.92%11.27%13.99%Beats 49%58 / 113
Net Interest Margin3.31%3.42%3.88%4.31%Beats 22%88 / 113
Efficiency Ratio67.21%54.13%61.48%69.86%Beats 30%80 / 113
Asset Quality
Nonperforming Loans / Loans0.42%0.09%0.58%1.82%Beats 57%49 / 111
Net Charge-Offs / Loans0.00%n/a0.00%0.04%Beats 100%36 / 111
Capital
Tier 1 Capital Ratio11.20%11.53%13.31%18.13%Beats 19%91 / 113
Total Risk-Based Capital Ratio12.18%12.12%14.43%19.39%Beats 26%84 / 113
Equity / Assets7.02%8.52%10.10%11.94%Beats 7%105 / 113
Liquidity & Funding
Loans / Deposits77.32%62.08%77.32%88.06%50th pctl56 / 111
Loans / Assets70.88%55.01%66.35%75.50%59th pctl46 / 113
Brokered Deposits / Depositsn/aNot reported for this institution