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Redstone Bank

Centennial, CO · Cert 58826 · Midwest Banc Holding Co.

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=573 to 620). 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

41

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

31

Q2 2024Q2 2026peer median (50)

Liquidity

60

Q2 2024Q2 2026peer median

Efficiency

25

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 2026-10-10

Redstone Bank

Centennial, CO · Cert 58826 · Midwest Banc Holding Co.

State charter, non-member · FDIC · 1 affiliate bank · 3 branches (14 in holding)

Q2 2026

$298.2MAssets
$173.7MLoans
$262.7MDeposits
$34.6MEquity
Loan mix
94%RE $162.9M6%C&I $10.4M0%Consumer $0.2MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $206.4M21%Noninterest $56.3MQ2 2025Q2 2026

NIM

5.72%Q2 ’245.62%Q2 ’255.84%Q2 ’26+9%-1%

Non-interest income vs. expense

2.57%Q2 ’243.02%Q2 ’252.87%Q2 ’26+18%-5%

Market Position · Denver-Aurora-Centennial, CO · 2026 SOD (annual) · 0.2% share · #30 of 68 inst. · $0.3B of $113.6B

1.0% Arapahoe
0.9% Douglas

Executive Summary

  • Earnings: ROA of 0.53%, up 2 bps year over year; NIM at 3.52%.
  • Asset quality: problem loans at 0.00% of loans (-121 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.98%, down 40 bps from a year ago.
  • Funding: loans stand at 66.13% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.53%+2 bps YoY

Net Interest Margin (YTD, annualized)

3.52%-4 bps YoY

Efficiency Ratio (YTD, annualized)

75.56%-277 bps YoY

Tier 1 Leverage Ratio

11.98%-40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.51%0.52%0.61%0.52%0.53%+2 bps
Return on Equity3.99%4.17%4.99%4.58%4.65%+66 bps
Net Interest Margin3.56%3.36%3.27%3.45%3.52%-4 bps
Efficiency Ratio78.32%77.81%73.68%75.77%75.56%-277 bps
Non-Interest Burden2.85%2.67%2.46%2.65%2.72%-14 bps
Growth
Asset Growth (YoY)2.96%-2.44%25.56%27.45%15.05%+1,208 bps
Loan Growth (YoY)2.65%6.17%7.47%11.55%2.19%-46 bps
Deposit Growth (YoY)14.74%6.21%31.20%30.18%15.65%+90 bps
Asset Quality
Nonperforming Loans / Loans1.21%1.19%0.00%0.00%0.00%-121 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.67%1.65%1.63%1.62%1.62%-5 bps
Allowance Coverage of NPLs1.4x1.4xn/an/an/an/a
Capital
Tier 1 Leverage Ratio12.37%11.61%10.88%11.82%11.98%-40 bps
Total Risk-Based Capital15.82%11.61%10.88%11.82%11.98%-384 bps
Equity / Assets12.02%11.75%11.32%11.18%11.59%-43 bps
Liquidity & Funding
Loans / Deposits74.84%70.71%66.00%64.38%66.13%-871 bps
Liquid Assets / Assets6.12%12.80%17.13%19.25%15.48%+936 bps
CRE / Total Capitaln/a382%371%349%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 2026-10-10

Redstone Bank

Centennial, CO · Cert 58826 · Peer group: banks under $1B in assets (n=573-620) · Midwest Banc Holding Co.

State charter, non-member · FDIC · 1 affiliate bank · 3 branches (14 in holding)

Q2 2026

$298.2MAssets
$173.7MLoans
$262.7MDeposits
$34.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 573).
  • Widest gap: return on equity trails 79% of banks under $1B in assets (rank 488 of 620).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.53%

Rank 488 of 620

Net Interest Margin

3.52%

Rank 312 of 620

Efficiency Ratio

79.08%

Rank 465 of 620

Equity / Assets

11.59%

Rank 243 of 620

Non-interest income vs. expense

$0.4M$7.9MINCOMEEXPENSE
Unfavorable gap of $7.5M · efficiency ratio beats 25% of banks under $1B in assets
Bank 79.08%Peer median 68.1%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.53%0.60%1.00%1.45%Beats 21%488 / 620
Return on Equity4.58%5.30%9.30%13.29%Beats 21%488 / 620
Net Interest Margin3.52%3.02%3.53%4.04%Beats 50%312 / 620
Efficiency Ratio79.08%58.35%68.08%79.37%Beats 25%465 / 620
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.47%1.27%Beats 100%81 / 573
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%162 / 573
Capital
Tier 1 Capital Ratio11.98%11.27%13.87%18.78%Beats 33%417 / 620
Total Risk-Based Capital Ratio11.98%11.69%14.57%19.67%Beats 28%446 / 620
Equity / Assets11.59%9.03%10.60%13.73%Beats 61%243 / 620
Liquidity & Funding
Loans / Deposits66.13%65.08%79.69%92.47%26th pctl430 / 585
Loans / Assets58.27%51.85%67.17%77.86%34th pctl410 / 620
Brokered Deposits / Depositsn/aNot reported for this institution