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Minster Bank

Minster, OH · Cert 763 · Minster Financial Corp.

State charter, Fed member · FED · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OH3

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 OH (n=68 to 71). 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

54

Q2 2024Q2 2026peer median (50)

Asset Quality

58

Q2 2024Q2 2026peer median (50)

Profitability

75

Q2 2024Q2 2026peer median (50)

Liquidity

38

Q2 2024Q2 2026peer median

Efficiency

90

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

Minster Bank

Minster, OH · Cert 763 · Minster Financial Corp.

State charter, Fed member · FED · 7 branches

Q2 2026

$811.6MAssets
$462.5MLoans
$719.4MDeposits
$72.2MEquity
Loan mix
91%RE $391.4M8%C&I $36.1M1%Consumer $4.5MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $555.3M23%Noninterest $164.1MQ2 2025Q2 2026

NIM

4.33%Q2 ’244.61%Q2 ’254.77%Q2 ’26+15%+6%

Non-interest income vs. expense

2.04%Q2 ’242.19%Q2 ’252.17%Q2 ’26+13%-4%

Market Position · Dayton-Kettering-Beavercreek, OH · 2026 SOD (annual) · 0.6% share · #16 of 26 inst. · $0.1B of $16.3B

42.4% Auglaize
8.1% Shelby
3.1% Miami
0.3% Montgomery

Executive Summary

  • Earnings: ROA of 1.62%, up 14 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 0.14% of loans (+3 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.08%, up 35 bps from a year ago.
  • Funding: loans stand at 64.30% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.62%+14 bps YoY

Net Interest Margin (YTD, annualized)

3.56%+21 bps YoY

Efficiency Ratio (YTD, annualized)

50.20%-354 bps YoY

Tier 1 Leverage Ratio

10.08%+35 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.48%1.52%1.54%1.55%1.62%+14 bps
Return on Equity19.76%19.73%19.66%18.62%19.04%-72 bps
Net Interest Margin3.35%3.27%3.26%3.50%3.56%+21 bps
Efficiency Ratio53.74%53.33%53.29%51.71%50.20%-354 bps
Non-Interest Burden1.47%1.41%1.40%1.44%1.41%-6 bps
Growth
Asset Growth (YoY)5.34%8.82%5.88%4.61%4.93%-41 bps
Loan Growth (YoY)13.01%11.10%16.80%15.78%14.53%+152 bps
Deposit Growth (YoY)3.71%8.86%4.16%3.84%5.26%+155 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.10%0.16%0.16%0.14%+3 bps
Net Charge-Offs / Loans0.00%0.01%0.02%0.00%0.01%+1 bps
Allowance / Loans1.20%1.18%1.10%1.14%1.20%0 bps
Allowance Coverage of NPLs10.6x11.8x6.7x7.3x8.5x-2.0x
Capital
Tier 1 Leverage Ratio9.73%9.71%9.31%9.80%10.08%+35 bps
Total Risk-Based Capital17.83%18.41%16.85%16.95%17.22%-61 bps
Equity / Assets7.97%8.31%8.29%8.35%8.89%+92 bps
Liquidity & Funding
Loans / Deposits59.09%56.94%62.46%62.62%64.30%+520 bps
Liquid Assets / Assets11.54%13.57%8.88%8.87%9.54%-200 bps
CRE / Total Capitaln/a259%300%295%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

Minster Bank

Minster, OH · Cert 763 · Peer group: banks under $1B in assets in OH (n=68-71) · Minster Financial Corp.

State charter, Fed member · FED · 7 branches

Q2 2026

$811.6MAssets
$462.5MLoans
$719.4MDeposits
$72.2MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 90% of banks under $1B in assets in OH (rank 7 of 71).
  • Widest gap: equity / assets trails 69% of banks under $1B in assets in OH (rank 49 of 71).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.62%

Rank 12 of 71

Net Interest Margin

3.56%

Rank 35 of 71

Efficiency Ratio

50.20%

Rank 8 of 71

Equity / Assets

8.89%

Rank 49 of 71

Non-interest income vs. expense

$6.3M$18.0MINCOMEEXPENSE
Unfavorable gap of $11.6M · efficiency ratio beats 90% of banks under $1B in assets in OH
Bank 50.20%Peer median 70.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.62%0.62%1.02%1.39%Beats 83%12 / 71
Return on Equity18.17%5.62%10.07%13.60%Beats 90%7 / 71
Net Interest Margin3.56%2.93%3.56%4.07%Beats 51%35 / 71
Efficiency Ratio50.20%55.94%70.77%78.80%Beats 90%8 / 71
Asset Quality
Nonperforming Loans / Loans0.14%0.08%0.27%0.97%Beats 68%23 / 68
Net Charge-Offs / Loans0.01%n/a0.00%0.05%Beats 47%39 / 68
Capital
Tier 1 Capital Ratio16.09%11.18%13.77%20.34%Beats 63%26 / 71
Total Risk-Based Capital Ratio17.22%12.08%14.34%21.24%Beats 68%23 / 71
Equity / Assets8.89%8.41%10.74%13.32%Beats 31%49 / 71
Liquidity & Funding
Loans / Deposits64.30%64.48%76.81%87.49%24th pctl52 / 68
Loans / Assets56.99%55.33%65.58%72.51%28th pctl51 / 71
Brokered Deposits / Depositsn/aNot reported for this institution