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

Deposit mix

NIM

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

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%.

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.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ	Trend
Earnings
Return on Assets	1.17%	1.27%	1.31%	1.37%	1.32%	+15 bps
Return on Equity	11.75%	12.86%	13.61%	15.10%	14.47%	+273 bps
Net Interest Margin	3.76%	3.76%	3.69%	4.25%	4.29%	+53 bps
Efficiency Ratio	54.23%	52.50%	50.27%	52.09%	51.28%	-294 bps
Non-Interest Burden	2.02%	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 / Loans	0.00%	0.00%	0.00%	0.00%	0.03%	+3 bps
Net Charge-Offs / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Allowance / Loans	1.07%	1.01%	0.99%	1.00%	1.12%	+5 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	42.4x	n/a	n/a
Capital
Tier 1 Leverage Ratio	10.33%	10.02%	9.75%	9.33%	9.61%	-73 bps
Total Risk-Based Capital	10.33%	10.02%	9.75%	9.33%	9.61%	-73 bps
Equity / Assets	9.82%	9.63%	9.02%	9.14%	9.10%	-71 bps
Liquidity & Funding
Loans / Deposits	88.84%	92.97%	95.62%	96.01%	95.95%	+711 bps
Liquid Assets / Assets	19.12%	16.20%	13.53%	13.21%	12.97%	-615 bps
CRE / Total Capital	n/a	372%	376%	370%	n/a	n/a