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Bank of New Glarus, The

New Glarus, WI · Cert 10378 · Bancorp of New Glarus Inc.

State charter, non-member · FDIC · 8 branches

Q2 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: 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 in WI (n=110 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

32

Q2 2024Q2 2026peer median (50)

Asset Quality

24

Q2 2024Q2 2026peer median (50)

Profitability

80

Q2 2024Q2 2026peer median (50)

Liquidity

50

Q2 2024Q2 2026peer median

Efficiency

64

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 2026-10-11

Bank of New Glarus, The

New Glarus, WI · Cert 10378 · Bancorp of New Glarus Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

$823.2MAssets
$626.3MLoans
$647.4MDeposits
$83.2MEquity
Loan mix
86%RE $491.9M12%C&I $68.4M2%Consumer $10.0MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $512.7M21%Noninterest $134.7MQ2 2025Q2 2026

NIM

4.93%Q2 ’245.67%Q2 ’255.76%Q2 ’26+19%+5%

Non-interest income vs. expense

2.50%Q2 ’242.59%Q2 ’252.94%Q2 ’26+8%-10%

Market Position · Madison, WI · 2026 SOD (annual) · 1.6% share · #18 of 41 inst. · $0.5B of $30.1B

29.3% Green
34.2% Lafayette
0.2% Dane

Executive Summary

  • Earnings: ROA of 1.64%, up 26 bps year over year; NIM at 3.88%.
  • Asset quality: problem loans at 1.99% of loans (+117 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.54%, up 84 bps from a year ago.
  • Funding: loans stand at 96.74% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.64%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.88%+20 bps YoY

Efficiency Ratio (YTD, annualized)

54.73%-410 bps YoY

Tier 1 Leverage Ratio

9.54%+84 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.38%1.41%1.36%1.72%1.64%+26 bps
Return on Equity15.80%15.72%14.91%17.72%16.63%+83 bps
Net Interest Margin3.68%3.71%3.66%3.81%3.88%+20 bps
Efficiency Ratio58.83%57.65%57.72%52.98%54.73%-410 bps
Non-Interest Burden1.89%1.83%1.80%1.54%1.71%-18 bps
Growth
Asset Growth (YoY)6.69%4.36%6.89%8.31%6.00%-68 bps
Loan Growth (YoY)10.49%9.45%11.90%7.18%6.34%-415 bps
Deposit Growth (YoY)1.78%4.00%7.06%8.94%7.52%+575 bps
Asset Quality
Nonperforming Loans / Loans0.82%0.84%2.09%2.05%1.99%+117 bps
Net Charge-Offs / Loans0.05%0.03%0.02%0.00%0.01%-4 bps
Allowance / Loans1.08%1.11%1.22%1.28%1.30%+22 bps
Allowance Coverage of NPLs1.3x1.3x0.6x0.6x0.7x-0.7x
Capital
Tier 1 Leverage Ratio8.69%9.05%8.98%9.26%9.54%+84 bps
Total Risk-Based Capital11.60%11.98%12.17%11.95%12.31%+71 bps
Equity / Assets9.05%9.61%9.63%9.76%10.11%+106 bps
Liquidity & Funding
Loans / Deposits97.82%99.62%97.13%94.91%96.74%-107 bps
Liquid Assets / Assets0.48%0.20%0.21%0.14%0.16%-32 bps
CRE / Total Capitaln/a301%310%303%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 2026-10-11

Bank of New Glarus, The

New Glarus, WI · Cert 10378 · Peer group: banks under $1B in assets in WI (n=110-113) · Bancorp of New Glarus Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

$823.2MAssets
$626.3MLoans
$647.4MDeposits
$83.2MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 88% of banks under $1B in assets in WI (rank 13 of 113).
  • Widest gap: nonperforming loans / loans trails 88% of banks under $1B in assets in WI (rank 98 of 110).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.63%

Rank 24 of 113

Net Interest Margin

3.88%

Rank 31 of 113

Efficiency Ratio

58.16%

Rank 42 of 113

Equity / Assets

10.11%

Rank 68 of 113

Non-interest income vs. expense

$10.3M$24.5MINCOMEEXPENSE
Unfavorable gap of $14.2M · efficiency ratio beats 64% of banks under $1B in assets in WI
Bank 58.16%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.63%0.85%1.17%1.51%Beats 79%24 / 113
Return on Equity16.12%7.70%10.77%13.67%Beats 88%13 / 113
Net Interest Margin3.88%3.19%3.59%3.89%Beats 73%31 / 113
Efficiency Ratio58.16%54.61%62.43%71.88%Beats 64%42 / 113
Asset Quality
Nonperforming Loans / Loans1.99%0.03%0.24%0.91%Beats 12%98 / 110
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 35%72 / 110
Capital
Tier 1 Capital Ratio11.08%11.22%12.95%15.76%Beats 22%88 / 113
Total Risk-Based Capital Ratio12.31%11.57%13.59%16.73%Beats 33%76 / 113
Equity / Assets10.11%9.17%10.74%13.13%Beats 40%68 / 113
Liquidity & Funding
Loans / Deposits96.74%76.54%86.37%98.93%71st pctl33 / 112
Loans / Assets76.09%63.07%71.33%78.84%64th pctl41 / 113
Brokered Deposits / Depositsn/aNot reported for this institution