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Ameriprise Bank, FSB

Minneapolis, MN · Cert 58303 · Ameriprise Financial Inc.

State savings bank · OCC · 2 branches

Q2 2026

$25.5BAssets
$2.6BLoans
$23.9BDeposits
$1.5BEquity
Loan mix
43%RE $0.9B10%C&I $0.2B47%Consumer $1.0BQ2 2025Q2 2026
Deposit mix
100%Interest-bearing $23.9B0%Noninterest $0.0BQ2 2025Q2 2026

NIM

4.84%Q2 ’244.63%Q2 ’254.54%Q2 ’26-2%+0%

Non-interest income vs. expense

0.40%Q2 ’240.43%Q2 ’250.45%Q2 ’26+10%+3%

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 9.5% share · #3 of 125 inst. · $23.9B of $253.2B

Executive Summary

  • Earnings: ROA of 3.05%, down 5 bps year over year; NIM at 4.37%.
  • Asset quality: problem loans at 0.18% of loans (+2 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 7.38%, down 24 bps from a year ago.
  • Funding: loans stand at 10.99% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

3.05%-5 bps YoY

Net Interest Margin (YTD, annualized)

4.37%+1 bps YoY

Efficiency Ratio (YTD, annualized)

9.99%+30 bps YoY

Tier 1 Leverage Ratio

7.38%-24 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.10%3.10%3.08%3.06%3.05%-5 bps
Return on Equity56.22%53.64%52.44%50.40%50.95%-528 bps
Net Interest Margin4.36%4.40%4.30%4.35%4.37%+1 bps
Efficiency Ratio9.69%9.75%9.87%9.67%9.99%+30 bps
Non-Interest Burden0.36%0.37%0.36%0.36%0.38%+1 bps
Growth
Asset Growth (YoY)5.96%4.71%7.24%5.53%6.13%+17 bps
Loan Growth (YoY)35.60%45.28%46.48%62.62%71.80%+3,620 bps
Deposit Growth (YoY)4.80%3.97%6.08%4.87%6.41%+161 bps
Asset Quality
Nonperforming Loans / Loans0.17%0.16%0.17%0.18%0.18%+2 bps
Net Charge-Offs / Loans0.21%0.18%0.16%0.12%0.10%-10 bps
Allowance / Loans0.70%0.62%0.58%0.48%0.46%-24 bps
Allowance Coverage of NPLs4.2x4.0x3.4x2.8x2.5x-1.7x
Capital
Tier 1 Leverage Ratio7.62%7.74%7.32%7.28%7.38%-24 bps
Total Risk-Based Capital35.10%35.47%32.83%31.37%30.57%-453 bps
Equity / Assets6.12%6.53%6.25%5.89%5.84%-28 bps
Liquidity & Funding
Loans / Deposits6.81%7.69%8.20%9.63%10.99%+418 bps
Liquid Assets / Assets10.16%13.68%11.58%10.47%9.69%-47 bps
CRE / Total Capitaln/a0.00%0.00%0.00%n/an/a