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Battle Bank, National Association

Upsala, MN · Cert 9336 · Battle Financial Inc.

National charter · OCC · 1 branch

Q2 2026

$180.8MAssets
$12.4MLoans
$112.4MDeposits
$67.0MEquity
Loan mix
2%RE $0.1M40%C&I $2.0M58%Consumer $2.9MQ3 2024Q2 2026
Deposit mix
95%Interest-bearing $106.5M5%Noninterest $5.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of -7.74%, down 907 bps year over year; NIM at 2.87%.
  • Asset quality: problem loans at 0.00% of loans (-69 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 33.32%, up 539 bps from a year ago.
  • Funding: loans stand at 11.01% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

-7.74%-907 bps YoY

Net Interest Margin (quarter, annualized)

2.87%-104 bps YoY

Efficiency Ratio (quarter, annualized)

363%+32,484 bps YoY

Tier 1 Leverage Ratio

33.32%+539 bps YoY

NIM

4.70%Q2 ’245.61%Q2 ’253.77%Q2 ’26+35%-27%

Non-interest income vs. expense

1.30%Q2 ’241.49%Q2 ’2510.76%Q2 ’26+20%+587%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.35%1.01%0.34%1.33%2.04%-15.99%-8.75%-7.74%-907 bps
Return on Equity1.27%3.66%1.20%4.76%7.07%-31.60%-15.59%-17.97%-2,273 bps
Net Interest Margin2.84%3.51%3.62%3.91%4.29%-6.13%3.16%2.87%-104 bps
Efficiency Ratio44.79%31.02%39.18%38.01%28.76%363%437%363%+32,484 bps
Non-Interest Burden1.26%0.99%1.41%1.49%1.25%6.52%11.72%10.25%+876 bps
Growth
Asset Growth (YoY)2.54%1.58%3.00%3.44%1.34%83.98%113.27%178.21%+17,476 bps
Loan Growth (YoY)3.19%5.65%2.03%2.10%3.55%-91.16%-85.81%-75.62%-7,772 bps
Deposit Growth (YoY)2.49%0.91%3.61%3.77%0.51%-1.84%47.11%148.37%+14,460 bps
Asset Quality
Nonperforming Loans / Loans0.49%0.37%0.49%0.69%0.40%0.00%0.00%0.00%-69 bps
Net Charge-Offs / Loans0.84%1.97%0.66%0.56%0.97%-25.21%0.00%0.00%-56 bps
Allowance / Loans1.79%1.68%1.70%1.78%1.62%0.45%0.28%0.35%-144 bps
Allowance Coverage of NPLs3.6x4.5x3.5x2.6x4.0xn/an/an/an/a
Capital
Tier 1 Leverage Ratio28.22%27.72%28.14%27.93%29.84%59.44%47.73%33.32%+539 bps
Total Risk-Based Capital34.54%34.92%35.14%35.07%36.71%59.44%47.73%33.32%-175 bps
Equity / Assets27.53%27.80%27.91%27.86%29.88%62.02%51.06%37.04%+918 bps
Liquidity & Funding
Loans / Deposits112.29%112.36%112.23%112.16%115.69%10.12%10.83%11.01%-10,115 bps
Liquid Assets / Assets0.03%0.03%0.03%0.03%0.03%16.94%14.74%5.17%+514 bps
CRE / Total Capitaln/an/an/an/a5.33%0.04%0.05%n/an/a