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Banner Banks

Birnamwood, WI · Cert 10374

State charter, non-member · 4 branches

Q1 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in WI3

Basis

Quarter: Q1 2026, the quarter ended March 31, 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 WI (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

28

Q2 2024Q1 2026peer median (50)

Asset Quality

68

Q2 2024Q1 2026peer median (50)

Profitability

14

Q2 2024Q1 2026peer median (50)

Liquidity

0

Q2 2024Q1 2026peer median

Efficiency

20

Q2 2024Q1 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

Banner Banks

Birnamwood, WI · Cert 10374

State charter, non-member · 4 branches

Q1 2026

$131.6MAssets
$25.7MLoans
$114.9MDeposits
$16.4MEquity
Loan mix
92%RE $22.4M8%C&I $1.8M1%Consumer $0.2MQ1 2025Q1 2026
Deposit mix
77%Interest-bearing $88.5M23%Noninterest $26.5MQ1 2025Q1 2026

NIM

4.01%Q1 ’244.09%Q1 ’253.80%Q1 ’26+3%-5%

Non-interest income vs. expense

1.97%Q1 ’242.05%Q1 ’252.27%Q1 ’26+4%+11%

Market Position · Wausau, WI · 2025 SOD (annual) · 0.5% share · #14 of 17 inst. · $0.0B of $5.2B

10.1% Shawano
0.5% Marathon
9.3% Langlade

Executive Summary

  • Earnings: ROA of 0.55%, down 32 bps year over year; NIM at 2.93%.
  • Asset quality: problem loans at 0.52% of loans (+52 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.52%, down 366 bps from a year ago.
  • Funding: loans stand at 22.34% of deposits as of Q1 2026.

Financial Results

Return on Assets (YTD, annualized)

0.55%-32 bps YoY

Net Interest Margin (YTD, annualized)

2.93%-17 bps YoY

Efficiency Ratio (YTD, annualized)

71.05%+627 bps YoY

Tier 1 Leverage Ratio

9.52%-366 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2025Q2 2025Q3 2025Q4 2025Q1 2026YoY ΔTrend
Earnings
Return on Assets0.87%0.91%1.00%0.00%10.55%-32 bps
Return on Equity6.92%7.17%7.77%0.01%4.34%-258 bps
Net Interest Margin3.10%3.20%3.20%0.09%2.93%-17 bps
Efficiency Ratio64.78%62.25%60.55%100.89%71.05%+627 bps
Non-Interest Burden1.98%1.96%1.91%0.08%2.21%+23 bps
Growth
Asset Growth (YoY)6.30%3.27%4.14%6.14%7.15%+85 bps
Loan Growth (YoY)-2.49%-9.39%-6.84%-12.70%-19.58%-1,708 bps
Deposit Growth (YoY)5.74%2.10%3.58%5.57%7.72%+198 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.46%0.48%0.52%+52 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.99%1.21%1.05%1.53%1.60%+61 bps
Allowance Coverage of NPLsn/an/a2.3x3.2x3.1xn/a
Capital
Tier 1 Leverage Ratio13.18%13.56%13.64%9.33%9.52%-366 bps
Total Risk-Based Capital13.18%13.56%13.64%9.33%9.52%-366 bps
Equity / Assets12.88%13.11%13.45%12.73%12.48%-40 bps
Liquidity & Funding
Loans / Deposits29.92%27.06%27.24%24.17%22.34%-758 bps
Liquid Assets / Assets44.93%45.61%46.16%52.85%28.87%-1,606 bps
CRE / Total Capitaln/an/a84.01%116.54%103.37%n/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. 1 One-time gains made up most of net income in the marked periods.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Banner Banks

Birnamwood, WI · Cert 10374 · Peer group: banks under $1B in assets in WI (n=111-113)

State charter, non-member · 4 branches

Q1 2026

$131.6MAssets
$25.7MLoans
$114.9MDeposits
$16.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in WI (rank 61 of 111).
  • Widest gap: total risk-based capital ratio trails 94% of banks under $1B in assets in WI (rank 106 of 113).
  • Overall: at or above the peer median on 3 of 10 directional measures.

Return on Assets

0.55%

Rank 96 of 113

Net Interest Margin

2.93%

Rank 96 of 113

Efficiency Ratio

78.95%

Rank 91 of 113

Equity / Assets

12.48%

Rank 33 of 113

Non-interest income vs. expense

$0.1M$3.0MINCOMEEXPENSE
Unfavorable gap of $2.9M · efficiency ratio beats 20% of banks under $1B in assets in WI
Bank 78.95%Peer median 64.6%Q2 2024Q1 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.55%0.76%1.13%1.44%Beats 15%96 / 113
Return on Equity4.41%7.16%10.56%13.66%Beats 11%101 / 113
Net Interest Margin2.93%3.10%3.49%3.86%Beats 15%96 / 113
Efficiency Ratio78.95%56.63%64.62%74.40%Beats 20%91 / 113
Asset Quality
Nonperforming Loans / Loans0.52%0.02%0.24%0.82%Beats 35%73 / 111
Net Charge-Offs / Loans0.00%n/an/a0.00%Beats 100%61 / 111
Capital
Tier 1 Capital Ratio9.52%11.11%12.67%15.35%Beats 7%105 / 113
Total Risk-Based Capital Ratio9.52%11.42%13.68%16.33%Beats 6%106 / 113
Equity / Assets12.48%8.87%10.37%12.55%Beats 71%33 / 113
Liquidity & Funding
Loans / Deposits22.34%73.91%84.63%99.37%1st pctl111 / 112
Loans / Assets19.51%61.74%71.57%80.25%2nd pctl111 / 113
Brokered Deposits / Deposits0.00%n/a0.27%7.09%Beats 100%49 / 112