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Community Bank Mankato

Vernon Center, MN · Cert 9760 · Vernon Center Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=573 to 620). 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

36

Q2 2024Q2 2026peer median (50)

Asset Quality

13

Q2 2024Q2 2026peer median (50)

Profitability

51

Q2 2024Q2 2026peer median (50)

Liquidity

12

Q2 2024Q2 2026peer median

Efficiency

76

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 2026-10-10

Community Bank Mankato

Vernon Center, MN · Cert 9760 · Vernon Center Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$538.3MAssets
$475.6MLoans
$473.9MDeposits
$51.1MEquity
Loan mix
91%RE $426.4M8%C&I $37.9M1%Consumer $4.9MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $393.1M17%Noninterest $80.8MQ2 2025Q2 2026

NIM

5.05%Q2 ’245.29%Q2 ’255.45%Q2 ’26+24%+17%

Non-interest income vs. expense

1.85%Q2 ’242.02%Q2 ’252.09%Q2 ’26+17%+4%

Market Position · Mankato, MN · 2026 SOD (annual) · 13.6% share · #2 of 19 inst. · $0.5B of $3.5B

Executive Summary

  • Earnings: ROA of 1.01%, up 22 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 2.15% of loans (-6 bps YoY), with net charge-offs at 0.26%.
  • Capital: tier 1 leverage ratio of 9.49%, up 82 bps from a year ago.
  • Funding: loans stand at 100.36% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.01%+22 bps YoY

Net Interest Margin (YTD, annualized)

3.40%+49 bps YoY

Efficiency Ratio (YTD, annualized)

58.10%-674 bps YoY

Tier 1 Leverage Ratio

9.49%+82 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.79%0.80%0.80%1.02%1.01%+22 bps
Return on Equity9.19%9.31%9.20%10.96%10.76%+156 bps
Net Interest Margin2.92%2.92%3.03%3.24%3.40%+49 bps
Efficiency Ratio64.85%63.14%63.53%58.17%58.10%-674 bps
Non-Interest Burden1.82%1.78%1.86%1.83%1.90%+8 bps
Growth
Asset Growth (YoY)-0.02%1.09%0.52%-1.00%-1.31%-130 bps
Loan Growth (YoY)-3.18%-6.14%-5.32%-3.97%-3.58%-40 bps
Deposit Growth (YoY)5.81%5.43%3.53%-1.21%0.87%-494 bps
Asset Quality
Nonperforming Loans / Loans2.21%2.36%2.22%2.26%2.15%-6 bps
Net Charge-Offs / Loans0.00%0.02%0.01%0.00%0.26%+26 bps
Allowance / Loans0.96%1.01%1.04%1.05%0.98%+2 bps
Allowance Coverage of NPLs0.4x0.4x0.5x0.5x0.5x0.0x
Capital
Tier 1 Leverage Ratio8.66%8.69%8.99%9.30%9.49%+82 bps
Total Risk-Based Capital12.19%12.54%12.86%13.16%13.23%+103 bps
Equity / Assets8.72%8.83%9.20%9.39%9.49%+77 bps
Liquidity & Funding
Loans / Deposits104.99%101.22%102.22%101.17%100.36%-463 bps
Liquid Assets / Assets0.88%0.92%1.01%1.47%1.34%+46 bps
CRE / Total Capitaln/a665%648%631%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 2026-10-10

Community Bank Mankato

Vernon Center, MN · Cert 9760 · Peer group: banks under $1B in assets (n=573-620) · Vernon Center Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$538.3MAssets
$475.6MLoans
$473.9MDeposits
$51.1MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 76% of banks under $1B in assets (rank 151 of 620).
  • Widest gap: net charge-offs / loans trails 88% of banks under $1B in assets (rank 504 of 573).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.01%

Rank 305 of 620

Net Interest Margin

3.40%

Rank 349 of 620

Efficiency Ratio

58.10%

Rank 151 of 620

Equity / Assets

9.49%

Rank 414 of 620

Non-interest income vs. expense

$1.0M$11.3MINCOMEEXPENSE
Unfavorable gap of $10.2M · efficiency ratio beats 76% of banks under $1B in assets
Bank 58.10%Peer median 68.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.01%0.60%1.00%1.45%Beats 51%305 / 620
Return on Equity10.65%5.30%9.30%13.29%Beats 59%256 / 620
Net Interest Margin3.40%3.02%3.53%4.04%Beats 44%349 / 620
Efficiency Ratio58.10%58.35%68.08%79.37%Beats 76%151 / 620
Asset Quality
Nonperforming Loans / Loans2.15%0.09%0.47%1.27%Beats 13%498 / 573
Net Charge-Offs / Loans0.13%n/a0.01%0.06%Beats 12%504 / 573
Capital
Tier 1 Capital Ratio12.10%11.27%13.87%18.78%Beats 34%408 / 620
Total Risk-Based Capital Ratio13.23%11.69%14.57%19.67%Beats 41%368 / 620
Equity / Assets9.49%9.03%10.60%13.73%Beats 33%414 / 620
Liquidity & Funding
Loans / Deposits100.36%65.08%79.69%92.47%87th pctl75 / 585
Loans / Assets88.34%51.85%67.17%77.86%97th pctl18 / 620
Brokered Deposits / Depositsn/aNot reported for this institution