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Entrebank

Bloomington, MN · Cert 59287 · Entrepreneurs Bancshares Inc.

State charter, non-member · FDIC · 1 branch

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

17

Q2 2024Q2 2026peer median (50)

Asset Quality

94

Q2 2024Q2 2026peer median (50)

Profitability

72

Q2 2024Q2 2026peer median (50)

Liquidity

31

Q2 2024Q2 2026peer median

Efficiency

83

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

Entrebank

Bloomington, MN · Cert 59287 · Entrepreneurs Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$527.1MAssets
$455.1MLoans
$474.3MDeposits
$48.0MEquity
Loan mix
46%RE $197.8M54%C&I $233.7M0%Consumer $1.3MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $403.0M15%Noninterest $71.3MQ2 2025Q2 2026

NIM

6.40%Q2 ’246.82%Q2 ’257.05%Q2 ’26+12%+14%

Non-interest income vs. expense

2.32%Q2 ’242.06%Q2 ’252.23%Q2 ’26-11%+8%

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.2% share · #35 of 125 inst. · $0.5B of $253.2B

Executive Summary

  • Earnings: ROA of 1.32%, up 15 bps year over year; NIM at 4.29%.
  • Asset quality: problem loans at 0.03% of loans (+3 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.61%, down 73 bps from a year ago.
  • Funding: loans stand at 95.95% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.32%+15 bps YoY

Net Interest Margin (YTD, annualized)

4.29%+53 bps YoY

Efficiency Ratio (YTD, annualized)

51.28%-294 bps YoY

Tier 1 Leverage Ratio

9.61%-73 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.17%1.27%1.31%1.37%1.32%+15 bps
Return on Equity11.75%12.86%13.61%15.10%14.47%+273 bps
Net Interest Margin3.76%3.76%3.69%4.25%4.29%+53 bps
Efficiency Ratio54.23%52.50%50.27%52.09%51.28%-294 bps
Non-Interest Burden2.02%1.95%1.83%2.18%2.17%+15 bps
Growth
Asset Growth (YoY)48.71%28.34%33.96%29.24%30.33%-1,838 bps
Loan Growth (YoY)42.15%46.67%43.23%37.32%42.00%-15 bps
Deposit Growth (YoY)54.42%29.81%35.76%30.07%31.48%-2,295 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.03%+3 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.07%1.01%0.99%1.00%1.12%+5 bps
Allowance Coverage of NPLsn/an/an/an/a42.4xn/an/a
Capital
Tier 1 Leverage Ratio10.33%10.02%9.75%9.33%9.61%-73 bps
Total Risk-Based Capital10.33%10.02%9.75%9.33%9.61%-73 bps
Equity / Assets9.82%9.63%9.02%9.14%9.10%-71 bps
Liquidity & Funding
Loans / Deposits88.84%92.97%95.62%96.01%95.95%+711 bps
Liquid Assets / Assets19.12%16.20%13.53%13.21%12.97%-615 bps
CRE / Total Capitaln/a372%376%370%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

Entrebank

Bloomington, MN · Cert 59287 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · Entrepreneurs Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$527.1MAssets
$455.1MLoans
$474.3MDeposits
$48.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 13 of 53).
  • Widest gap: total risk-based capital ratio trails 96% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 51 of 53).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.26%

Rank 16 of 53

Net Interest Margin

4.29%

Rank 9 of 53

Efficiency Ratio

51.28%

Rank 10 of 53

Equity / Assets

9.10%

Rank 30 of 53

Non-interest income vs. expense

$0.3M$11.1MINCOMEEXPENSE
Unfavorable gap of $10.8M · efficiency ratio beats 83% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area
Bank 51.28%Peer median 65.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.26%0.73%1.11%1.30%Beats 70%16 / 53
Return on Equity13.84%7.88%12.20%14.12%Beats 64%19 / 53
Net Interest Margin4.29%3.39%3.77%4.09%Beats 83%9 / 53
Efficiency Ratio51.28%56.05%65.05%71.57%Beats 83%10 / 53
Asset Quality
Nonperforming Loans / Loans0.03%0.14%0.52%1.20%Beats 87%8 / 53
Net Charge-Offs / Loans0.00%0.00%0.01%0.08%Beats 100%13 / 53
Capital
Tier 1 Capital Ratio9.61%10.73%12.98%15.08%Beats 4%51 / 53
Total Risk-Based Capital Ratio9.61%11.49%13.79%16.34%Beats 4%51 / 53
Equity / Assets9.10%8.08%9.25%10.72%Beats 43%30 / 53
Liquidity & Funding
Loans / Deposits95.95%72.13%82.29%93.80%77th pctl12 / 53
Loans / Assets86.34%63.64%71.80%79.37%92nd pctl4 / 53
Brokered Deposits / Depositsn/aNot reported for this institution