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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