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Currie State Bank

Currie, MN · Cert 8833 · Currie Bcorp Inc.

State charter, non-member · FDIC · 2 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

26

Q2 2024Q2 2026peer median (50)

Asset Quality

46

Q2 2024Q2 2026peer median (50)

Profitability

62

Q2 2024Q2 2026peer median (50)

Liquidity

2

Q2 2024Q2 2026peer median

Efficiency

50

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

Currie State Bank

Currie, MN · Cert 8833 · Currie Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$100.0MAssets
$88.4MLoans
$88.3MDeposits
$10.7MEquity
Loan mix
85%RE $46.6M13%C&I $7.2M2%Consumer $1.4MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $72.0M18%Noninterest $16.3MQ2 2025Q2 2026

NIM

6.60%Q2 ’246.56%Q2 ’256.39%Q2 ’26-2%+1%

Non-interest income vs. expense

2.63%Q2 ’242.63%Q2 ’252.77%Q2 ’26-2%+6%

Executive Summary

  • Earnings: ROA of 1.24%, down 10 bps year over year; NIM at 4.35%.
  • Asset quality: problem loans at 0.96% of loans (+3 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 10.69%, up 24 bps from a year ago.
  • Funding: loans stand at 100.17% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.24%-10 bps YoY

Net Interest Margin (YTD, annualized)

4.35%+6 bps YoY

Efficiency Ratio (YTD, annualized)

61.48%+239 bps YoY

Tier 1 Leverage Ratio

10.69%+24 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.34%1.40%1.37%1.22%1.24%-10 bps
Return on Equity13.08%13.56%13.15%11.38%11.55%-153 bps
Net Interest Margin4.30%4.25%4.33%4.33%4.35%+6 bps
Efficiency Ratio59.09%57.73%58.66%61.47%61.48%+239 bps
Non-Interest Burden2.47%2.39%2.48%2.60%2.62%+15 bps
Growth
Asset Growth (YoY)6.08%8.26%1.49%-1.97%-1.94%-801 bps
Loan Growth (YoY)3.81%6.73%4.46%-5.75%-7.38%-1,119 bps
Deposit Growth (YoY)7.45%8.52%4.39%-2.64%-2.40%-985 bps
Asset Quality
Nonperforming Loans / Loans0.94%2.69%5.62%1.03%0.96%+3 bps
Net Charge-Offs / Loans0.22%0.16%0.11%0.00%-0.02%-23 bps
Allowance / Loans1.42%1.46%1.41%1.56%1.54%+12 bps
Allowance Coverage of NPLs1.5x0.5x0.3x1.5x1.6x+0.1x
Capital
Tier 1 Leverage Ratio10.45%10.34%10.74%10.44%10.69%+24 bps
Total Risk-Based Capital10.45%10.34%10.74%10.44%10.69%+24 bps
Equity / Assets10.17%10.44%10.89%10.60%10.67%+49 bps
Liquidity & Funding
Loans / Deposits105.56%101.69%107.59%101.20%100.17%-539 bps
Liquid Assets / Assets0.03%0.03%0.03%0.03%0.03%0 bps
CRE / Total Capitaln/a55.00%46.58%49.09%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

Currie State Bank

Currie, MN · Cert 8833 · Peer group: banks under $1B in assets in MN (n=111-113) · Currie Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$100.0MAssets
$88.4MLoans
$88.3MDeposits
$10.7MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 79% of banks under $1B in assets in MN (rank 24 of 113).
  • Widest gap: total risk-based capital ratio trails 90% of banks under $1B in assets in MN (rank 102 of 113).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.24%

Rank 52 of 113

Net Interest Margin

4.35%

Rank 24 of 113

Efficiency Ratio

61.48%

Rank 57 of 113

Equity / Assets

10.67%

Rank 51 of 113

Non-interest income vs. expense

$0.1M$2.8MINCOMEEXPENSE
Unfavorable gap of $2.6M · efficiency ratio beats 50% of banks under $1B in assets in MN
Bank 61.48%Peer median 61.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.24%0.87%1.20%1.41%Beats 54%52 / 113
Return on Equity11.59%8.92%11.27%13.99%Beats 52%54 / 113
Net Interest Margin4.35%3.42%3.88%4.31%Beats 79%24 / 113
Efficiency Ratio61.48%54.13%61.48%69.86%Beats 50%57 / 113
Asset Quality
Nonperforming Loans / Loans0.96%0.09%0.58%1.82%Beats 41%68 / 111
Net Charge-Offs / Loans0.00%n/a0.00%0.04%Beats 50%57 / 111
Capital
Tier 1 Capital Ratio10.69%11.53%13.31%18.13%Beats 12%100 / 113
Total Risk-Based Capital Ratio10.69%12.12%14.43%19.39%Beats 10%102 / 113
Equity / Assets10.67%8.52%10.10%11.94%Beats 55%51 / 113
Liquidity & Funding
Loans / Deposits100.17%62.08%77.32%88.06%88th pctl13 / 111
Loans / Assets88.43%55.01%66.35%75.50%94th pctl7 / 113
Brokered Deposits / Depositsn/aNot reported for this institution