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Sentry Bank

Saint Joseph, MN · Cert 8546 · Saint Joseph Bancshares Acquisitions

State charter, non-member · FDIC · 1 affiliate bank · 4 branches (8 in holding)

Q2 2026

$415.5MAssets
$309.8MLoans
$365.0MDeposits
$37.0MEquity
Loan mix
81%RE $235.3M18%C&I $51.4M1%Consumer $3.5MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $308.3M16%Noninterest $56.8MQ2 2025Q2 2026

NIM

5.09%Q2 ’245.61%Q2 ’255.87%Q2 ’26+25%+6%

Non-interest income vs. expense

1.97%Q2 ’242.08%Q2 ’252.09%Q2 ’26+14%+4%

Market Position · St. Cloud, MN · 2026 SOD (annual) · 4.6% share · #6 of 32 inst. · $0.4B of $7.9B

Executive Summary

  • Earnings: ROA of 1.33%, up 9 bps year over year; NIM at 3.95%.
  • Asset quality: problem loans at 0.00% of loans (-2 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.66%, down 48 bps from a year ago.
  • Funding: loans stand at 84.87% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.33%+9 bps YoY

Net Interest Margin (quarter, annualized)

3.95%+23 bps YoY

Efficiency Ratio (quarter, annualized)

51.35%-195 bps YoY

Tier 1 Leverage Ratio

8.66%-48 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.25%1.22%1.35%1.21%1.33%+9 bps
Return on Equity13.27%12.99%14.16%12.69%14.66%+139 bps
Net Interest Margin3.72%3.76%3.84%3.76%3.95%+23 bps
Efficiency Ratio53.30%54.78%52.02%54.76%51.35%-195 bps
Non-Interest Burden1.83%1.91%1.82%1.93%1.90%+7 bps
Growth
Asset Growth (YoY)9.46%13.75%16.25%12.96%18.93%+947 bps
Loan Growth (YoY)6.37%10.41%20.10%21.69%27.53%+2,116 bps
Deposit Growth (YoY)9.87%14.91%18.23%14.91%21.87%+1,200 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.02%0.00%0.00%0.00%-2 bps
Net Charge-Offs / Loans0.00%0.01%0.00%0.00%0.00%0 bps
Allowance / Loans1.36%1.35%1.29%1.26%1.22%-15 bps
Allowance Coverage of NPLs75.3x73.0xn/an/an/an/a
Capital
Tier 1 Leverage Ratio9.13%9.00%8.98%8.65%8.66%-48 bps
Total Risk-Based Capital9.13%9.00%8.98%12.42%12.25%+312 bps
Equity / Assets9.46%9.36%9.67%9.34%8.89%-57 bps
Liquidity & Funding
Loans / Deposits81.10%79.85%84.88%88.20%84.87%+377 bps
Liquid Assets / Assets7.62%9.54%4.65%2.58%6.07%-155 bps
CRE / Total Capitaln/a428%456%491%n/an/a