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Lakeview Bank

Lakeville, MN · Cert 57785 · Lakeview Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area3

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 the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53). 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

42

Q2 2024Q2 2026peer median (50)

Asset Quality

25

Q2 2024Q2 2026peer median (50)

Profitability

60

Q2 2024Q2 2026peer median (50)

Liquidity

82

Q2 2024Q2 2026peer median

Efficiency

66

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

Lakeview Bank

Lakeville, MN · Cert 57785 · Lakeview Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$218.3MAssets
$150.7MLoans
$195.8MDeposits
$17.2MEquity
Loan mix
90%RE $128.4M10%C&I $14.2M0%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
64%Interest-bearing $125.5M36%Noninterest $70.3MQ2 2025Q2 2026

NIM

5.37%Q2 ’245.72%Q2 ’255.76%Q2 ’26+10%+4%

Non-interest income vs. expense

2.70%Q2 ’242.67%Q2 ’252.62%Q2 ’26-2%-2%

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.1% share · #70 of 125 inst. · $0.2B of $253.2B

Executive Summary

  • Earnings: ROA of 1.12%, up 6 bps year over year; NIM at 4.12%.
  • Asset quality: problem loans at 1.00% of loans (+29 bps YoY), with net charge-offs at 0.48%.
  • Capital: tier 1 leverage ratio of 8.91%, down 50 bps from a year ago.
  • Funding: loans stand at 76.98% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.12%+6 bps YoY

Net Interest Margin (YTD, annualized)

4.12%+18 bps YoY

Efficiency Ratio (YTD, annualized)

58.89%-342 bps YoY

Tier 1 Leverage Ratio

8.91%-50 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.06%1.09%1.10%1.02%1.12%+6 bps
Return on Equity12.66%12.96%12.93%12.22%13.73%+107 bps
Net Interest Margin3.94%3.97%3.96%3.98%4.12%+18 bps
Efficiency Ratio62.31%61.42%61.28%62.86%58.89%-342 bps
Non-Interest Burden2.34%2.33%2.32%2.39%2.30%-4 bps
Growth
Asset Growth (YoY)6.80%8.30%7.47%21.00%22.36%+1,556 bps
Loan Growth (YoY)12.11%10.53%11.29%10.85%11.49%-61 bps
Deposit Growth (YoY)6.09%8.14%4.66%19.74%21.37%+1,528 bps
Asset Quality
Nonperforming Loans / Loans0.71%1.14%1.12%0.96%1.00%+29 bps
Net Charge-Offs / Loans-0.10%-0.04%-0.03%0.15%0.48%+58 bps
Allowance / Loans1.30%1.30%1.34%1.34%1.16%-15 bps
Allowance Coverage of NPLs1.8x1.1x1.2x1.4x1.2x-0.7x
Capital
Tier 1 Leverage Ratio9.41%9.44%9.49%8.74%8.91%-50 bps
Total Risk-Based Capital14.63%14.70%14.94%14.63%14.23%-41 bps
Equity / Assets8.54%8.71%8.85%7.86%7.87%-67 bps
Liquidity & Funding
Loans / Deposits83.79%84.36%84.66%76.36%76.98%-682 bps
Liquid Assets / Assets5.85%5.91%7.47%15.47%14.62%+877 bps
CRE / Total Capitaln/a356%362%387%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

Lakeview Bank

Lakeville, MN · Cert 57785 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · Lakeview Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$218.3MAssets
$150.7MLoans
$195.8MDeposits
$17.2MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 75% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 13 of 53).
  • Widest gap: net charge-offs / loans trails 81% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 44 of 53).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.05%

Rank 28 of 53

Net Interest Margin

4.12%

Rank 13 of 53

Efficiency Ratio

59.13%

Rank 19 of 53

Equity / Assets

7.87%

Rank 42 of 53

Non-interest income vs. expense

$0.7M$5.4MINCOMEEXPENSE
Unfavorable gap of $4.7M · efficiency ratio beats 66% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area
Bank 59.13%Peer median 65.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.05%0.73%1.11%1.30%Beats 47%28 / 53
Return on Equity13.39%7.88%12.20%14.12%Beats 58%22 / 53
Net Interest Margin4.12%3.39%3.77%4.09%Beats 75%13 / 53
Efficiency Ratio59.13%56.05%65.05%71.57%Beats 66%19 / 53
Asset Quality
Nonperforming Loans / Loans1.00%0.14%0.52%1.20%Beats 30%38 / 53
Net Charge-Offs / Loans0.24%0.00%0.01%0.08%Beats 19%44 / 53
Capital
Tier 1 Capital Ratio12.98%10.73%12.98%15.08%Beats 49%27 / 53
Total Risk-Based Capital Ratio14.23%11.49%13.79%16.34%Beats 55%24 / 53
Equity / Assets7.87%8.08%9.25%10.72%Beats 21%42 / 53
Liquidity & Funding
Loans / Deposits76.98%72.13%82.29%93.80%38th pctl33 / 53
Loans / Assets69.03%63.64%71.80%79.37%40th pctl32 / 53
Brokered Deposits / Depositsn/aNot reported for this institution