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21st Century Bank

Loretto, MN · Cert 9751 · Crosstown Holding Co.

State charter, non-member · FDIC · 8 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 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

62

Q2 2024Q2 2026peer median (50)

Asset Quality

50

Q2 2024Q2 2026peer median (50)

Profitability

60

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

89

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

21st Century Bank

Loretto, MN · Cert 9751 · Crosstown Holding Co.

State charter, non-member · FDIC · 8 branches

Q2 2026

$894.8MAssets
$672.7MLoans
$658.8MDeposits
$82.7MEquity
Loan mix
85%RE $575.3M15%C&I $99.7M0%Consumer $0.5MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $524.8M20%Noninterest $134.0MQ2 2025Q2 2026

NIM

5.18%Q2 ’245.37%Q2 ’255.71%Q2 ’26+17%+18%

Non-interest income vs. expense

1.86%Q2 ’241.77%Q2 ’251.77%Q2 ’26-5%+1%

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.3% share · #26 of 125 inst. · $0.7B of $253.2B

5.8% Anoka
0.2% Hennepin
0.1% Dakota
0.0% Ramsey

Executive Summary

  • Earnings: ROA of 1.31%, up 45 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 0.19% of loans (-5 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 10.66%, up 4 bps from a year ago.
  • Funding: loans stand at 102.11% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.31%+45 bps YoY

Net Interest Margin (YTD, annualized)

3.50%+53 bps YoY

Efficiency Ratio (YTD, annualized)

49.84%-831 bps YoY

Tier 1 Leverage Ratio

10.66%+4 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.87%0.98%1.12%0.67%1.31%+45 bps
Return on Equity8.98%10.10%11.51%7.01%13.86%+488 bps
Net Interest Margin2.97%3.00%3.03%3.38%3.50%+53 bps
Efficiency Ratio58.15%54.94%51.13%56.53%49.84%-831 bps
Non-Interest Burden1.70%1.62%1.49%1.89%1.72%+2 bps
Growth
Asset Growth (YoY)10.96%14.33%13.19%8.24%9.20%-176 bps
Loan Growth (YoY)4.10%4.80%7.37%10.35%9.47%+537 bps
Deposit Growth (YoY)9.14%12.18%12.45%8.23%5.51%-363 bps
Asset Quality
Nonperforming Loans / Loans0.24%0.23%0.38%0.38%0.19%-5 bps
Net Charge-Offs / Loans0.03%0.02%0.01%0.10%0.10%+8 bps
Allowance / Loans0.94%0.91%0.89%0.88%0.90%-3 bps
Allowance Coverage of NPLs3.9x3.9x2.3x2.3x4.7x+0.9x
Capital
Tier 1 Leverage Ratio10.62%10.66%10.70%10.43%10.66%+4 bps
Total Risk-Based Capital16.22%15.55%15.51%15.38%15.70%-52 bps
Equity / Assets9.60%9.72%9.96%9.24%9.24%-36 bps
Liquidity & Funding
Loans / Deposits98.42%95.36%100.34%99.67%102.11%+369 bps
Liquid Assets / Assets1.93%3.40%0.55%1.17%2.53%+60 bps
CRE / Total Capitaln/a518%529%544%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

21st Century Bank

Loretto, MN · Cert 9751 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · Crosstown Holding Co.

State charter, non-member · FDIC · 8 branches

Q2 2026

$894.8MAssets
$672.7MLoans
$658.8MDeposits
$82.7MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 89% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 7 of 53).
  • Widest gap: net charge-offs / loans trails 70% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 38 of 53).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.30%

Rank 14 of 53

Net Interest Margin

3.50%

Rank 34 of 53

Efficiency Ratio

49.84%

Rank 7 of 53

Equity / Assets

9.24%

Rank 28 of 53

Non-interest income vs. expense

$0.4M$15.9MINCOMEEXPENSE
Unfavorable gap of $15.4M · efficiency ratio beats 89% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area
Bank 49.84%Peer median 65.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.30%0.73%1.11%1.30%Beats 74%14 / 53
Return on Equity14.07%7.88%12.20%14.12%Beats 70%16 / 53
Net Interest Margin3.50%3.39%3.77%4.09%Beats 36%34 / 53
Efficiency Ratio49.84%56.05%65.05%71.57%Beats 89%7 / 53
Asset Quality
Nonperforming Loans / Loans0.19%0.14%0.52%1.20%Beats 70%17 / 53
Net Charge-Offs / Loans0.05%0.00%0.01%0.08%Beats 30%38 / 53
Capital
Tier 1 Capital Ratio14.71%10.73%12.98%15.08%Beats 70%16 / 53
Total Risk-Based Capital Ratio15.70%11.49%13.79%16.34%Beats 68%17 / 53
Equity / Assets9.24%8.08%9.25%10.72%Beats 47%28 / 53
Liquidity & Funding
Loans / Deposits102.11%72.13%82.29%93.80%87th pctl7 / 53
Loans / Assets75.18%63.64%71.80%79.37%64th pctl19 / 53
Brokered Deposits / Depositsn/aNot reported for this institution