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Q2 2026 · read from the 30 June 2026 Call Report · United States · Plains · Minnesota, the state note

Ameriprise Bank FSB

Minneapolis, Minnesota · $25.48B in assets · beside the 10 other the Plains states banks over $10B (the state alone holds too few in the band to rank)

The filing

11.0%
Loans / deposits
1st of 11
5.8%
Equity / assets
11th of 11
0.0%
CRE / loans
1st of 11

Ameriprise Bank FSB is the sixth largest of the 11 the Plains states banks over $10B, with $25.48B in assets at 30 June 2026. Loans are 11.0% of deposits, the lowest in the cohort against a median of 72.9%, and equity is 5.8% of assets, the lowest in the cohort. Loans grew +71.8% in the year, the fastest in the cohort, and deposits grew 6.4%; the cohort's median loan growth is +8.8%.

Noncurrent loans are 0.18% of the book, 3rd of 11 against a median of 0.66%; 0.20% is 30 to 89 days past due, and the allowance covers them 2.5 times. Net charge-offs are 0.10% of loans, 4th of 11. Commercial real estate is 0.0% of loans, the lowest in the cohort against a median of 18.4%, and 0% of capital, below the 300% screen, with construction at 0% against the 100% screen.

Return on assets is 3.04%, the highest in the cohort against a median of 1.36%, on an efficiency ratio of 10.1%, the lowest in the cohort. Five years ago it was 0.64%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Commercial real estate, share of loansPlains states banks over $10B · 30 June 2026 · lower is stronger, listed first
median 18.4% AB Ameriprise Bank FSB 0.0% SB Stifel Bank 0.0% CN Citibank National Association 3.3% SB Stifel Bank & Trust 9.0% WF Wells Fargo Bank N.A. 10.4% FN First National Bank of Omaha 18.4% CB Commerce Bank 18.9% UB UMB Bank National Association 26.0% EB Enterprise Bank & Trust 31.7% BB Bell Bank 32.7% CT Central Trust Bank 35.6%
Loans, year over yearPlains states banks over $10B · 30 June 2026 · no better direction, largest first
median +8.8% AB Ameriprise Bank FSB +71.8% SB Stifel Bank +32.2% CB Commerce Bank +17.9% UB UMB Bank National Association +11.8% WF Wells Fargo Bank N.A. +11.5% BB Bell Bank +8.8% CN Citibank National Association +8.5% FN First National Bank of Omaha +6.9% SB Stifel Bank & Trust +6.6% EB Enterprise Bank & Trust +4.2% CT Central Trust Bank +3.3%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Ameriprise Bank FSBRankCohort median
Total CRE against capital, the 300% screen0%1st of 1195%
Construction against capital, the 100% screen0%1st of 1136%
Construction and land development, share of loans0.0%1st of 115.6%
Non-owner-occupied nonfarm nonresidential, share of loans0.0%1st of 118.2%
Total CRE, the guidance definition, share of loans0.0%1st of 1118.4%
CRE growth over 36 months, the third prongno record+2.3%
Commercial real estate against capital, the 300% screenPlains states banks over $10B · 30 June 2026 · lower is stronger, listed first
median 95% AB Ameriprise Bank FSB 0% SB Stifel Bank 0% CN Citibank National Association 21% WF Wells Fargo Bank N.A. 65% CB Commerce Bank 93% SB Stifel Bank & Trust 95% FN First National Bank of Omaha 111% UB UMB Bank National Association 164% EB Enterprise Bank & Trust 207% CT Central Trust Bank 238% BB Bell Bank 270%
CRE growth over 36 months, the guidance's third prongPlains states banks over $10B · 30 June 2026 · lower is stronger, listed first
median +2.3% SB Stifel Bank -62.4% WF Wells Fargo Bank N.A. -14.8% SB Stifel Bank & Trust -2.1% CN Citibank National Association -1.4% CT Central Trust Bank +2.1% BB Bell Bank +2.4% CB Commerce Bank +6.2% EB Enterprise Bank & Trust +20.5% FN First National Bank of Omaha +26.1% UB UMB Bank National Association +91.7%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Citibank National Association$1976.18B1.0%51.7%0.66%1.03%2.3%48.9%8.7%
Wells Fargo Bank N.A.$1907.93B1.4%55.0%1.04%0.40%1.4%63.8%8.9%
UMB Bank National Association$71.90B1.4%51.4%0.34%0.17%1.1%68.4%10.9%
Commerce Bank$35.02B1.2%60.0%0.17%0.24%0.9%74.1%11.0%
First National Bank of Omaha$34.20B1.8%48.1%0.78%1.86%4.0%88.0%11.7%
Ameriprise Bank FSB$25.48B3.0%10.1%0.18%0.10%0.5%11.0%5.8%
Central Trust Bank$20.31B2.0%47.8%0.49%0.10%1.3%71.3%9.0%
Stifel Bank & Trust$19.62B1.9%26.9%1.09%0.41%0.6%86.9%6.8%
Enterprise Bank & Trust$17.36B1.1%61.0%0.98%0.30%1.2%80.8%11.8%
Bell Bank$15.18B0.9%70.7%0.90%0.02%1.0%107.0%9.7%
Stifel Bank$14.62B1.3%29.1%0.06%0.00%0.4%72.9%6.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Ameriprise Bank FSBCohort median
20212026Change20212026Change
Loans$468M$2.63B+462%$11.15B$15.22B+37%
Deposits$8.67B$23.94B+176%$14.35B$23.94B+67%
NPA / loans0.07%0.18%+0.12 pts0.23%0.66%+0.43 pts
Efficiency40.4%10.1%-30.3 pts55.0%51.4%-3.6 pts
ROA0.64%3.04%+2.40 pts1.43%1.36%-0.07 pts

This read was prepared for Ameriprise Bank FSB's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Ameriprise Bank FSB is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Plains states banks over $10B
Institution www.ameriprise.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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