PackageTrendsPeer
Letter portraitLegal landscape

First Resource Bank

Lino Lakes, MN · Cert 58039 · Ameri Financial Group Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

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 $1B-$10B in assets operating regionally (n=176). 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

32

Q2 2024Q2 2026peer median (50)

Asset Quality

51

Q2 2024Q2 2026peer median (50)

Profitability

22

Q2 2024Q2 2026peer median (50)

Liquidity

93

Q2 2024Q2 2026peer median

Efficiency

34

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 Resource Bank

Lino Lakes, MN · Cert 58039 · Ameri Financial Group Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

$1.1BAssets
$789.7MLoans
$893.3MDeposits
$100.5MEquity
Loan mix
78%RE $528.0M21%C&I $139.7M1%Consumer $6.2MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $735.3M18%Noninterest $157.9MQ2 2025Q2 2026

NIM

5.09%Q2 ’245.38%Q2 ’254.93%Q2 ’26+16%+1%

Non-interest income vs. expense

1.96%Q2 ’242.21%Q2 ’252.29%Q2 ’26+16%+2%

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.3% share · #21 of 125 inst. · $0.7B of $253.2B

4.8% Washington
33.5% Chisago
15.7% Polk
1.3% Anoka

Executive Summary

  • Earnings: ROA of 0.90%, up 10 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 0.09% of loans (-21 bps YoY), with net charge-offs at 0.59%.
  • Capital: tier 1 leverage ratio of 8.34%, up 21 bps from a year ago.
  • Funding: loans stand at 88.40% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.90%+10 bps YoY

Net Interest Margin (YTD, annualized)

3.37%+3 bps YoY

Efficiency Ratio (YTD, annualized)

64.16%+159 bps YoY

Tier 1 Leverage Ratio

8.34%+21 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.79%0.82%0.65%0.67%0.90%+10 bps
Return on Equity9.19%9.58%7.75%7.80%10.08%+89 bps
Net Interest Margin3.35%3.35%3.40%3.64%3.37%+3 bps
Efficiency Ratio62.57%62.33%62.18%66.98%64.16%+159 bps
Non-Interest Burden2.02%2.02%2.03%2.40%2.06%+4 bps
Growth
Asset Growth (YoY)20.89%19.42%25.12%25.74%47.38%+2,648 bps
Loan Growth (YoY)17.40%20.14%21.63%24.90%27.47%+1,007 bps
Deposit Growth (YoY)28.37%26.80%30.01%23.65%48.48%+2,012 bps
Asset Quality
Nonperforming Loans / Loans0.30%0.09%0.55%0.32%0.09%-21 bps
Net Charge-Offs / Loans0.01%0.10%0.11%0.00%0.59%+59 bps
Allowance / Loans1.12%1.06%1.29%1.31%1.06%-6 bps
Allowance Coverage of NPLs3.8x12.2x2.4x4.1x11.5x+7.8x
Capital
Tier 1 Leverage Ratio8.13%8.09%8.14%9.29%8.34%+21 bps
Total Risk-Based Capital11.77%11.62%11.42%13.41%12.77%+101 bps
Equity / Assets8.36%8.38%7.96%9.30%9.26%+91 bps
Liquidity & Funding
Loans / Deposits102.97%100.66%99.47%103.28%88.40%-1,457 bps
Liquid Assets / Assets6.82%5.48%6.52%6.44%4.85%-197 bps
CRE / Total Capitaln/a547%564%464%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 Resource Bank

Lino Lakes, MN · Cert 58039 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Ameri Financial Group Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

$1.1BAssets
$789.7MLoans
$893.3MDeposits
$100.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 94% of banks $1B-$10B in assets operating regionally (rank 11 of 176).
  • Widest gap: net charge-offs / loans trails 93% of banks $1B-$10B in assets operating regionally (rank 165 of 176).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.76%

Rank 150 of 176

Net Interest Margin

3.37%

Rank 117 of 176

Efficiency Ratio

64.47%

Rank 118 of 176

Equity / Assets

9.26%

Rank 128 of 176

Non-interest income vs. expense

$2.4M$23.6MINCOMEEXPENSE
Unfavorable gap of $21.3M · efficiency ratio beats 34% of banks $1B-$10B in assets operating regionally
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.76%0.93%1.26%1.54%Beats 15%150 / 176
Return on Equity8.26%9.26%11.89%14.46%Beats 16%147 / 176
Net Interest Margin3.37%3.25%3.59%3.93%Beats 34%117 / 176
Efficiency Ratio64.47%52.79%59.55%67.66%Beats 34%118 / 176
Asset Quality
Nonperforming Loans / Loans0.09%0.30%0.64%1.32%Beats 94%11 / 176
Net Charge-Offs / Loans0.30%0.01%0.04%0.10%Beats 7%165 / 176
Capital
Tier 1 Capital Ratio11.62%11.15%12.72%14.15%Beats 33%118 / 176
Total Risk-Based Capital Ratio12.77%11.81%13.63%15.33%Beats 35%114 / 176
Equity / Assets9.26%9.16%10.35%11.80%Beats 27%128 / 176
Liquidity & Funding
Loans / Deposits88.40%80.94%89.73%97.21%45th pctl97 / 176
Loans / Assets72.81%69.25%75.12%80.82%38th pctl110 / 176
Brokered Deposits / Depositsn/aNot reported for this institution