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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

$85.5MAssets
$39.4MLoans
$74.7MDeposits
$9.7MEquity
Loan mix
64%RE $21.6M32%C&I $10.9M4%Consumer $1.4MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $53.4M29%Noninterest $21.3MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.25%0.24%0.06%0.73%0.73%+49 bps
Return on Equity2.50%2.36%0.53%6.52%6.54%+404 bps
Net Interest Margin2.68%2.68%2.76%2.97%3.01%+34 bps
Efficiency Ratio86.49%85.53%83.25%72.10%71.96%-1,453 bps
Non-Interest Burden2.26%2.24%2.24%2.05%2.07%-18 bps
Growth
Asset Growth (YoY)-7.32%-8.62%-4.09%-1.64%-0.41%+691 bps
Loan Growth (YoY)-9.85%-7.45%-5.06%-5.14%-4.17%+569 bps
Deposit Growth (YoY)1.07%-2.31%-5.73%-2.75%-1.54%-261 bps
Asset Quality
Nonperforming Loans / Loans1.78%1.48%0.56%0.56%1.80%+2 bps
Net Charge-Offs / Loans0.18%0.15%0.84%0.01%0.02%-16 bps
Allowance / Loans1.34%1.42%1.39%1.43%1.45%+11 bps
Allowance Coverage of NPLs0.8x1.0x2.5x2.6x0.8x+0.1x
Capital
Tier 1 Leverage Ratio13.96%13.89%13.55%13.74%14.05%+9 bps
Total Risk-Based Capital27.35%13.89%29.83%31.63%28.56%+122 bps
Equity / Assets10.65%11.79%11.16%11.16%11.39%+74 bps
Liquidity & Funding
Loans / Deposits54.17%56.35%55.63%53.60%52.72%-145 bps
Liquid Assets / Assets3.35%0.09%0.07%4.19%4.64%+129 bps
CRE / Total Capitaln/a54.97%53.45%51.70%n/an/a