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Bank of Maple Plain

Maple Plain, MN · Cert 9332 · Maple Banc Shares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area3

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 the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53). 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

94

Q2 2024Q2 2026peer median (50)

Asset Quality

34

Q2 2024Q2 2026peer median (50)

Profitability

17

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

25

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

Bank of Maple Plain

Maple Plain, MN · Cert 9332 · Maple Banc Shares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$85.5MAssets
$39.4MLoans
$74.7MDeposits
$9.7MEquity
Loan mix
64%RE $21.6M32%C&I $10.9M4%Consumer $1.4MQ3 2024Q2 2026
Deposit mix
71%Interest-bearing $53.4M29%Noninterest $21.3MQ3 2024Q2 2026

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.0% share · #104 of 125 inst. · $0.1B of $253.2B

Executive Summary

  • Earnings: ROA of 0.73%, up 49 bps year over year; NIM at 3.01%.
  • Asset quality: problem loans at 1.80% of loans (+2 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 14.05%, up 9 bps from a year ago.
  • Funding: loans stand at 52.72% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.73%+49 bps YoY

Net Interest Margin (YTD, annualized)

3.01%+34 bps YoY

Efficiency Ratio (YTD, annualized)

71.96%-1,453 bps YoY

Tier 1 Leverage Ratio

14.05%+9 bps YoY

NIM

4.09%Q2 ’244.07%Q2 ’254.20%Q2 ’26+1%+13%

Non-interest income vs. expense

2.46%Q2 ’242.69%Q2 ’252.41%Q2 ’26+10%-8%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.35%-0.40%-0.06%0.25%0.24%0.06%0.73%0.73%+49 bps
Return on Equity3.58%-4.12%-0.62%2.50%2.36%0.53%6.52%6.54%+404 bps
Net Interest Margin2.54%2.49%2.59%2.68%2.68%2.76%2.97%3.01%+34 bps
Efficiency Ratio84.68%90.83%95.35%86.49%85.53%83.25%72.10%71.96%-1,453 bps
Non-Interest Burden2.10%2.23%2.45%2.26%2.24%2.24%2.05%2.07%-18 bps
Growth
Asset Growth (YoY)-1.58%-6.13%-8.24%-7.32%-8.62%-4.09%-1.64%-0.41%+691 bps
Loan Growth (YoY)3.11%1.77%-4.80%-9.85%-7.45%-5.06%-5.14%-4.17%+569 bps
Deposit Growth (YoY)-7.52%-5.95%-8.73%1.07%-2.31%-5.73%-2.75%-1.54%-261 bps
Asset Quality
Nonperforming Loans / Loans2.40%2.05%2.02%1.78%1.48%0.56%0.56%1.80%+2 bps
Net Charge-Offs / Loans0.19%1.42%0.40%0.18%0.15%0.84%0.01%0.02%-16 bps
Allowance / Loans1.14%1.25%1.29%1.34%1.42%1.39%1.43%1.45%+11 bps
Allowance Coverage of NPLs0.5x0.6x0.6x0.8x1.0x2.5x2.6x0.8x+0.1x
Capital
Tier 1 Leverage Ratio13.73%12.75%13.51%13.96%13.89%13.55%13.74%14.05%+9 bps
Total Risk-Based Capital29.47%24.60%13.51%27.35%13.89%29.83%31.63%28.56%+122 bps
Equity / Assets10.90%9.14%9.94%10.65%11.79%11.16%11.16%11.39%+74 bps
Liquidity & Funding
Loans / Deposits59.48%55.23%54.95%54.17%56.35%55.63%53.60%52.72%-145 bps
Liquid Assets / Assets0.12%0.10%1.25%3.35%0.09%0.07%4.19%4.64%+129 bps
CRE / Total Capitaln/an/an/an/a54.97%53.45%51.70%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

Bank of Maple Plain

Maple Plain, MN · Cert 9332 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · Maple Banc Shares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$85.5MAssets
$39.4MLoans
$74.7MDeposits
$9.7MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 98% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 1 of 53).
  • Widest gap: net interest margin trails 89% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 47 of 53).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.73%

Rank 40 of 53

Net Interest Margin

3.01%

Rank 47 of 53

Efficiency Ratio

71.96%

Rank 41 of 53

Equity / Assets

11.39%

Rank 8 of 53

Non-interest income vs. expense

$0.3M$2.0MINCOMEEXPENSE
Unfavorable gap of $1.8M · efficiency ratio beats 25% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area
Bank 71.96%Peer median 65.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.73%0.73%1.11%1.30%Beats 25%40 / 53
Return on Equity6.43%7.88%12.20%14.12%Beats 15%45 / 53
Net Interest Margin3.01%3.39%3.77%4.09%Beats 11%47 / 53
Efficiency Ratio71.96%56.05%65.05%71.57%Beats 25%41 / 53
Asset Quality
Nonperforming Loans / Loans1.80%0.14%0.52%1.20%Beats 21%43 / 53
Net Charge-Offs / Loans0.01%0.00%0.01%0.08%Beats 47%29 / 53
Capital
Tier 1 Capital Ratio27.31%10.73%12.98%15.08%Beats 98%1 / 53
Total Risk-Based Capital Ratio28.56%11.49%13.79%16.34%Beats 98%1 / 53
Equity / Assets11.39%8.08%9.25%10.72%Beats 85%8 / 53
Liquidity & Funding
Loans / Deposits52.72%72.13%82.29%93.80%9th pctl48 / 53
Loans / Assets46.05%63.64%71.80%79.37%9th pctl48 / 53
Brokered Deposits / Depositsn/aNot reported for this institution