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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

5.06%Q2 ’245.37%Q2 ’255.55%Q2 ’26+10%+16%

Non-interest income vs. expense

1.95%Q2 ’242.08%Q2 ’252.58%Q2 ’26+10%+28%

Executive Summary

  • Earnings: ROA of 1.10%, up 3 bps year over year; NIM at 3.93%.
  • Asset quality: problem loans at 1.82% of loans (-50 bps YoY), with net recoveries of 0.01%.
  • 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 (quarter, annualized)

1.10%+3 bps YoY

Net Interest Margin (quarter, annualized)

3.93%+55 bps YoY

Efficiency Ratio (quarter, annualized)

60.94%+472 bps YoY

Tier 1 Leverage Ratio

9.85%+88 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.06%1.06%1.12%1.06%1.10%+3 bps
Return on Equity12.40%12.00%12.14%10.96%11.02%-137 bps
Net Interest Margin3.38%3.56%3.74%3.92%3.93%+55 bps
Efficiency Ratio56.21%58.46%57.84%60.29%60.94%+472 bps
Non-Interest Burden1.81%2.00%2.11%2.30%2.33%+52 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%-0.04%0.07%0.00%-0.01%+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