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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 $0.5MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $524.8M20%Noninterest $134.0MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.57%0.62%0.66%0.87%0.98%1.12%0.67%1.31%+45 bps
Return on Equity5.67%6.24%6.78%8.98%10.10%11.51%7.01%13.86%+488 bps
Net Interest Margin2.54%2.56%2.91%2.97%3.00%3.03%3.38%3.50%+53 bps
Efficiency Ratio68.11%64.74%65.90%58.15%54.94%51.13%56.53%49.84%-831 bps
Non-Interest Burden1.71%1.63%1.89%1.70%1.62%1.49%1.89%1.72%+2 bps
Growth
Asset Growth (YoY)5.80%6.29%5.68%10.96%14.33%13.19%8.24%9.20%-176 bps
Loan Growth (YoY)4.95%4.22%4.02%4.10%4.80%7.37%10.35%9.47%+537 bps
Deposit Growth (YoY)9.18%5.96%1.77%9.14%12.18%12.45%8.23%5.51%-363 bps
Asset Quality
Nonperforming Loans / Loans0.48%0.21%0.29%0.24%0.23%0.38%0.38%0.19%-5 bps
Net Charge-Offs / Loans0.00%0.05%0.00%0.03%0.02%0.01%0.10%0.10%+8 bps
Allowance / Loans0.92%0.92%0.96%0.94%0.91%0.89%0.88%0.90%-3 bps
Allowance Coverage of NPLs1.9x4.4x3.3x3.9x3.9x2.3x2.3x4.7x+0.9x
Capital
Tier 1 Leverage Ratio11.32%11.08%10.75%10.62%10.66%10.70%10.43%10.66%+4 bps
Total Risk-Based Capital16.45%15.67%16.25%16.22%15.55%15.51%15.38%15.70%-52 bps
Equity / Assets10.37%9.82%9.53%9.60%9.72%9.96%9.24%9.24%-36 bps
Liquidity & Funding
Loans / Deposits102.08%105.09%97.75%98.42%95.36%100.34%99.67%102.11%+369 bps
Liquid Assets / Assets1.58%0.84%4.04%1.93%3.40%0.55%1.17%2.53%+60 bps
CRE / Total Capitaln/an/an/an/a518%529%544%n/an/a