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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

5.73%Q2 ’245.76%Q2 ’255.89%Q2 ’26+8%+0%

Non-interest income vs. expense

2.54%Q2 ’243.12%Q2 ’252.90%Q2 ’26+23%-6%

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 0.54%, up 10 bps year over year; NIM at 3.61%.
  • 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 (quarter, annualized)

0.54%+10 bps YoY

Net Interest Margin (quarter, annualized)

3.61%+1 bps YoY

Efficiency Ratio (quarter, annualized)

75.35%-508 bps YoY

Tier 1 Leverage Ratio

11.98%-40 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.44%0.54%0.85%0.52%0.54%+10 bps
Return on Equity3.52%4.54%7.37%4.58%4.72%+120 bps
Net Interest Margin3.60%3.48%3.86%3.45%3.61%+1 bps
Efficiency Ratio80.44%76.84%63.62%75.77%75.35%-508 bps
Non-Interest Burden2.96%2.73%2.50%2.65%2.78%-18 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