PackageTrendsPeer
Letter portraitLegal landscape

Prairie Sun Bank

Milan, MN · Cert 8207 · Dakota Financial 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 MN3

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 MN (n=111 to 113). 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

19

Q2 2024Q2 2026peer median (50)

Asset Quality

39

Q2 2024Q2 2026peer median (50)

Profitability

45

Q2 2024Q2 2026peer median (50)

Liquidity

55

Q2 2024Q2 2026peer median

Efficiency

47

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

Prairie Sun Bank

Milan, MN · Cert 8207 · Dakota Financial Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$107.0MAssets
$81.3MLoans
$92.5MDeposits
$10.6MEquity
Loan mix
82%RE $44.0M12%C&I $6.5M6%Consumer $3.1MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $69.8M25%Noninterest $22.8MQ2 2025Q2 2026

NIM

4.96%Q2 ’245.31%Q2 ’255.51%Q2 ’26+20%+11%

Non-interest income vs. expense

1.92%Q2 ’242.15%Q2 ’252.54%Q2 ’26+18%+21%

Executive Summary

  • Earnings: ROA of 1.07%, down 3 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 1.82% of loans (-50 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.85%, up 88 bps from a year ago.
  • Funding: loans stand at 87.84% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.07%-3 bps YoY

Net Interest Margin (YTD, annualized)

3.89%+40 bps YoY

Efficiency Ratio (YTD, annualized)

60.62%+414 bps YoY

Tier 1 Leverage Ratio

9.85%+88 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.10%1.09%1.10%1.06%1.07%-3 bps
Return on Equity13.08%12.69%12.58%10.96%10.97%-211 bps
Net Interest Margin3.49%3.52%3.59%3.92%3.89%+40 bps
Efficiency Ratio56.48%57.15%57.32%60.29%60.62%+414 bps
Non-Interest Burden1.89%1.93%1.98%2.30%2.30%+40 bps
Growth
Asset Growth (YoY)0.21%-1.19%-1.61%-6.16%-6.10%-631 bps
Loan Growth (YoY)5.81%6.64%0.33%-0.22%1.17%-464 bps
Deposit Growth (YoY)6.24%4.89%7.16%2.87%0.89%-536 bps
Asset Quality
Nonperforming Loans / Loans2.32%0.79%2.16%9.72%1.82%-50 bps
Net Charge-Offs / Loans-0.03%-0.03%-0.01%0.00%0.00%+2 bps
Allowance / Loans1.68%1.72%1.81%1.91%1.90%+22 bps
Allowance Coverage of NPLs0.7x2.2x0.8x0.2x1.0x+0.3x
Capital
Tier 1 Leverage Ratio8.97%9.10%9.40%10.01%9.85%+88 bps
Total Risk-Based Capital11.17%11.46%12.07%12.04%9.85%-132 bps
Equity / Assets8.66%9.02%9.36%9.94%9.94%+128 bps
Liquidity & Funding
Loans / Deposits87.59%88.21%78.17%82.95%87.84%+24 bps
Liquid Assets / Assets4.71%3.55%6.53%3.53%3.50%-120 bps
CRE / Total Capitaln/a78.51%76.82%80.16%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

Prairie Sun Bank

Milan, MN · Cert 8207 · Peer group: banks under $1B in assets in MN (n=111-113) · Dakota Financial Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$107.0MAssets
$81.3MLoans
$92.5MDeposits
$10.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 53% of banks under $1B in assets in MN (rank 54 of 111).
  • Widest gap: total risk-based capital ratio trails 95% of banks under $1B in assets in MN (rank 107 of 113).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.08%

Rank 65 of 113

Net Interest Margin

3.89%

Rank 56 of 113

Efficiency Ratio

61.89%

Rank 61 of 113

Equity / Assets

9.94%

Rank 60 of 113

Non-interest income vs. expense

$0.3M$2.7MINCOMEEXPENSE
Unfavorable gap of $2.5M · efficiency ratio beats 47% of banks under $1B in assets in MN
Bank 61.89%Peer median 61.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.08%0.87%1.20%1.41%Beats 42%65 / 113
Return on Equity10.91%8.92%11.27%13.99%Beats 43%64 / 113
Net Interest Margin3.89%3.42%3.88%4.31%Beats 50%56 / 113
Efficiency Ratio61.89%54.13%61.48%69.86%Beats 47%61 / 113
Asset Quality
Nonperforming Loans / Loans1.82%0.09%0.58%1.82%Beats 25%84 / 111
Net Charge-Offs / Loans0.00%n/a0.00%0.04%Beats 53%54 / 111
Capital
Tier 1 Capital Ratio9.85%11.53%13.31%18.13%Beats 5%107 / 113
Total Risk-Based Capital Ratio9.85%12.12%14.43%19.39%Beats 5%107 / 113
Equity / Assets9.94%8.52%10.10%11.94%Beats 47%60 / 113
Liquidity & Funding
Loans / Deposits87.84%62.08%77.32%88.06%74th pctl29 / 111
Loans / Assets75.96%55.01%66.35%75.50%75th pctl28 / 113
Brokered Deposits / Depositsn/aNot reported for this institution