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Marshall County State Bank

Newfolden, MN · Cert 9752

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 MN3

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 MN (n=111 to 113). 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

100

Q2 2024Q2 2026peer median (50)

Profitability

28

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

92

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

Marshall County State Bank

Newfolden, MN · Cert 9752

State charter, non-member · FDIC · 1 branch

Q2 2026

$45.4MAssets
$14.5MLoans
$38.2MDeposits
$7.0MEquity
Loan mix
73%RE $9.8M8%C&I $1.0M19%Consumer $2.6MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $31.1M19%Noninterest $7.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.26%, up 2 bps year over year; NIM at 2.92%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.81%, down 71 bps from a year ago.
  • Funding: loans stand at 37.99% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.26%+2 bps YoY

Net Interest Margin (YTD, annualized)

2.92%-2 bps YoY

Efficiency Ratio (YTD, annualized)

47.66%-188 bps YoY

Tier 1 Leverage Ratio

15.81%-71 bps YoY

NIM

4.93%Q2 ’244.90%Q2 ’254.59%Q2 ’26-4%-1%

Non-interest income vs. expense

1.60%Q2 ’241.53%Q2 ’251.46%Q2 ’26-3%-5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.40%1.50%1.30%1.24%1.21%1.20%1.23%1.26%+2 bps
Return on Equity8.48%9.11%7.91%7.54%7.27%7.29%7.84%8.11%+58 bps
Net Interest Margin3.16%3.16%3.12%2.94%2.92%2.83%2.88%2.92%-2 bps
Efficiency Ratio46.97%44.48%49.40%49.54%50.46%50.35%47.56%47.66%-188 bps
Non-Interest Burden1.40%1.32%1.46%1.38%1.40%1.36%1.30%1.32%-6 bps
Growth
Asset Growth (YoY)5.46%6.56%1.90%4.55%4.32%5.58%8.09%7.56%+301 bps
Loan Growth (YoY)5.37%8.98%7.14%5.04%4.00%-2.75%1.56%2.87%-218 bps
Deposit Growth (YoY)3.52%6.79%1.30%4.34%4.65%6.09%9.47%9.37%+503 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.02%-0.02%0.06%0.01%0.00%0.15%0.00%0.00%-1 bps
Allowance / Loans2.36%2.30%2.35%2.34%2.28%2.16%2.10%2.07%-28 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio17.02%16.12%16.63%16.52%16.75%15.53%15.80%15.81%-71 bps
Total Risk-Based Capital60.61%57.37%57.32%62.05%58.23%60.96%58.07%62.00%-5 bps
Equity / Assets17.27%16.09%16.71%16.71%17.12%15.68%15.59%15.39%-131 bps
Liquidity & Funding
Loans / Deposits42.29%41.19%41.50%40.39%42.03%37.75%38.51%37.99%-240 bps
Liquid Assets / Assets38.32%40.09%4.16%17.50%6.66%16.50%15.93%24.28%+678 bps
CRE / Total Capitaln/an/an/an/a21.49%20.47%24.56%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

Marshall County State Bank

Newfolden, MN · Cert 9752 · Peer group: banks under $1B in assets in MN (n=111-113)

State charter, non-member · FDIC · 1 branch

Q2 2026

$45.4MAssets
$14.5MLoans
$38.2MDeposits
$7.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in MN (rank 12 of 111).
  • Widest gap: net interest margin trails 89% of banks under $1B in assets in MN (rank 101 of 113).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.24%

Rank 51 of 113

Net Interest Margin

2.92%

Rank 101 of 113

Efficiency Ratio

47.66%

Rank 10 of 113

Equity / Assets

15.39%

Rank 12 of 113

Non-interest income vs. expense

$64K$652KINCOMEEXPENSE
Unfavorable gap of $588K · efficiency ratio beats 92% of banks under $1B in assets in MN
Bank 47.66%Peer median 61.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.24%0.87%1.20%1.41%Beats 55%51 / 113
Return on Equity8.04%8.92%11.27%13.99%Beats 19%91 / 113
Net Interest Margin2.92%3.42%3.88%4.31%Beats 11%101 / 113
Efficiency Ratio47.66%54.13%61.48%69.86%Beats 92%10 / 113
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.58%1.82%Beats 100%12 / 111
Net Charge-Offs / Loans0.00%n/a0.00%0.04%Beats 100%36 / 111
Capital
Tier 1 Capital Ratio60.73%11.53%13.31%18.13%Beats 97%3 / 113
Total Risk-Based Capital Ratio62.00%12.12%14.43%19.39%Beats 97%3 / 113
Equity / Assets15.39%8.52%10.10%11.94%Beats 89%12 / 113
Liquidity & Funding
Loans / Deposits37.99%62.08%77.32%88.06%3rd pctl108 / 111
Loans / Assets31.99%55.01%66.35%75.50%4th pctl108 / 113
Brokered Deposits / Depositsn/aNot reported for this institution