Grove Bank

Grove City, MinnesotaFDIC Cert #8857

STATEEstablished 19071 branch

Holding company: GROVE BCORP INCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$2.95M
Investor CRE	$0
Multifamily	$0
Construction	$0
1–4 family	$17.7M
C&I	$10.6M
Agriculture	$4.95M
Other	$814K

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$37M

+8.1%y/y

Percentile by value61st percentileby value

FDICLNLSGR

Net loans

$36.6M

+8.1%y/y

Percentile by value61st percentileby value

FDICLNLSNET

Loans YoY

+8.11%

+104.4%y/y

Percentile by value73rd percentileby value

FDICLNLSNET

L/D

82.5%

+11.9%y/y

Percentile by value77th percentileby value

FDICLNLSNET + DEP

Loans/assets

66.9%

+16.6%y/y

Percentile by value73rd percentileby value

FDICLNLSNET + ASSET

RE loans %

67.82%

+3.0%y/y

Percentile by value47th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Percentile by value0th percentileby value

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Percentile by value0th percentileby value

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

3,279points

−7.4%y/y

Peer standing34th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

7.98%

+14.0%y/y

Percentile by value69th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

0.00%

Percentile by value0th percentileby value

FDICLNRENROT + LNLSGR

C&I %

28.60%

−2.6%y/y

Percentile by value91st percentileby value

FDICLNCI + LNLSGR