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Eagle Community Bank

Maple Grove, MN · Cert 57477

FDIC · 1 branch

Q1 2021

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2021, the quarter ended March 31, 2021, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

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

Eagle Community Bank

Maple Grove, MN · Cert 57477

FDIC · 1 branch

Q1 2021

$35.3MAssets
$28.8MLoans
$32.1MDeposits
$3.1MEquity
Loan mix
55%RE $13.7M44%C&I $11.0M1%Consumer $0.4MQ1 2020Q1 2021
Deposit mix
76%Interest-bearing $24.3M24%Noninterest $7.8MQ1 2020Q1 2021

NIM

5.16%Q1 ’194.92%Q1 ’208.26%Q1 ’21+3%+78%

Non-interest income vs. expense

3.83%Q1 ’194.29%Q1 ’202.97%Q1 ’21-30%+12%

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2020 SOD (annual) · 0.0% share · #134 of 144 inst. · $0.0B of $218.0B

Executive Summary

  • Earnings: ROA of 4.97%, up 314 bps year over year; NIM at 8.00%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.59%, down 14 bps from a year ago.
  • Funding: loans stand at 89.68% of deposits as of Q1 2021.

Financial Results

Return on Assets (YTD, annualized)

4.97%+314 bps YoY

Net Interest Margin (YTD, annualized)

8.00%+350 bps YoY

Efficiency Ratio (YTD, annualized)

37.06%-3,269 bps YoY

Tier 1 Leverage Ratio

8.59%-14 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2020Q2 2020Q3 2020Q4 2020Q1 2021YoY ΔTrend
Earnings
Return on Assets1.82%3.02%2.01%1.52%4.97%+314 bps
Return on Equity21.72%37.34%25.30%19.49%61.82%+4,010 bps
Net Interest Margin4.49%6.48%5.76%5.00%8.00%+350 bps
Efficiency Ratio69.75%54.42%63.15%68.13%37.06%-3,269 bps
Non-Interest Burden2.63%2.75%2.83%2.84%2.96%+33 bps
Growth
Asset Growth (YoY)8.36%35.60%33.97%40.97%28.42%+2,006 bps
Loan Growth (YoY)7.39%47.45%47.37%33.65%30.57%+2,318 bps
Deposit Growth (YoY)8.85%11.62%10.28%26.05%28.03%+1,918 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.77%0.71%0.70%0.74%0.77%0 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio8.73%8.92%9.15%8.66%8.59%-14 bps
Total Risk-Based Capital13.52%14.49%9.15%8.66%8.59%-493 bps
Equity / Assets8.26%7.62%7.55%7.38%8.69%+43 bps
Liquidity & Funding
Loans / Deposits87.94%117.70%115.94%98.93%89.68%+174 bps
Liquid Assets / Assets14.36%7.99%8.65%16.03%15.06%+70 bps
CRE / Total Capitaln/an/an/an/an/an/an/a