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Americana Community Bank

Sleepy Eye, MN · Cert 8205 · Midwest Bancshares Inc.

State charter, non-member · FDIC · 4 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 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

48

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

44

Q2 2024Q2 2026peer median

Efficiency

11

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

Americana Community Bank

Sleepy Eye, MN · Cert 8205 · Midwest Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$179.9MAssets
$142.8MLoans
$152.7MDeposits
$19.4MEquity
Loan mix
81%RE $109.3M18%C&I $24.3M0%Consumer $0.6MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $129.7M15%Noninterest $23.0MQ2 2025Q2 2026

NIM

5.40%Q2 ’245.63%Q2 ’255.68%Q2 ’26+4%+10%

Non-interest income vs. expense

3.01%Q2 ’243.03%Q2 ’253.28%Q2 ’26+2%+9%

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.0% share · #96 of 125 inst. · $0.1B of $253.2B

6.4% Brown
0.0% Hennepin
1.5% Carver

Executive Summary

  • Earnings: ROA of 0.62%, up 6 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 0.60% of loans (+56 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.66%, up 57 bps from a year ago.
  • Funding: loans stand at 93.47% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.62%+6 bps YoY

Net Interest Margin (YTD, annualized)

4.06%+39 bps YoY

Efficiency Ratio (YTD, annualized)

75.94%-131 bps YoY

Tier 1 Leverage Ratio

11.66%+57 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.56%0.59%0.57%0.72%0.62%+6 bps
Return on Equity5.75%5.95%5.68%6.60%5.71%-4 bps
Net Interest Margin3.68%3.68%3.78%4.10%4.06%+39 bps
Efficiency Ratio77.25%75.64%77.23%76.46%75.94%-131 bps
Non-Interest Burden2.78%2.73%2.86%3.08%3.03%+24 bps
Growth
Asset Growth (YoY)3.39%2.51%-3.42%0.68%-0.46%-385 bps
Loan Growth (YoY)5.93%8.46%2.32%3.89%2.40%-353 bps
Deposit Growth (YoY)4.91%3.88%2.26%-3.55%3.69%-122 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.33%0.63%0.60%0.60%+56 bps
Net Charge-Offs / Loans0.02%0.02%0.31%0.01%0.01%-2 bps
Allowance / Loans1.15%1.19%0.92%0.88%0.94%-21 bps
Allowance Coverage of NPLs29.7x3.6x1.5x1.5x1.6x-28.1x
Capital
Tier 1 Leverage Ratio11.09%11.19%11.50%11.67%11.66%+57 bps
Total Risk-Based Capital13.74%14.07%11.50%11.67%11.66%-208 bps
Equity / Assets10.04%10.40%10.89%10.79%10.81%+77 bps
Liquidity & Funding
Loans / Deposits94.65%92.27%87.72%96.25%93.47%-118 bps
Liquid Assets / Assets0.32%1.11%0.89%0.28%0.35%+3 bps
CRE / Total Capitaln/a361%358%357%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

Americana Community Bank

Sleepy Eye, MN · Cert 8205 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · Midwest Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$179.9MAssets
$142.8MLoans
$152.7MDeposits
$19.4MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 77% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 12 of 53).
  • Widest gap: efficiency ratio trails 89% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 48 of 53).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.61%

Rank 43 of 53

Net Interest Margin

4.06%

Rank 16 of 53

Efficiency Ratio

75.94%

Rank 48 of 53

Equity / Assets

10.81%

Rank 12 of 53

Non-interest income vs. expense

$0.4M$5.8MINCOMEEXPENSE
Unfavorable gap of $5.4M · efficiency ratio beats 11% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area
Bank 75.94%Peer median 65.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.61%0.73%1.11%1.30%Beats 19%43 / 53
Return on Equity5.66%7.88%12.20%14.12%Beats 11%47 / 53
Net Interest Margin4.06%3.39%3.77%4.09%Beats 70%16 / 53
Efficiency Ratio75.94%56.05%65.05%71.57%Beats 11%48 / 53
Asset Quality
Nonperforming Loans / Loans0.60%0.14%0.52%1.20%Beats 47%29 / 53
Net Charge-Offs / Loans0.00%0.00%0.01%0.08%Beats 58%23 / 53
Capital
Tier 1 Capital Ratio11.66%10.73%12.98%15.08%Beats 38%33 / 53
Total Risk-Based Capital Ratio11.66%11.49%13.79%16.34%Beats 28%38 / 53
Equity / Assets10.81%8.08%9.25%10.72%Beats 77%12 / 53
Liquidity & Funding
Loans / Deposits93.47%72.13%82.29%93.80%70th pctl16 / 53
Loans / Assets79.37%63.64%71.80%79.37%74th pctl14 / 53
Brokered Deposits / Depositsn/aNot reported for this institution