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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