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Bank of Milton

Milton, WI · Cert 11232 · Milton Bancshares Inc.

State charter, non-member · FDIC · 2 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

8

Q2 2024Q2 2026peer median (50)

Asset Quality

54

Q2 2024Q2 2026peer median (50)

Profitability

83

Q2 2024Q2 2026peer median (50)

Liquidity

88

Q2 2024Q2 2026peer median

Efficiency

81

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 Milton

Milton, WI · Cert 11232 · Milton Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$221.4MAssets
$172.2MLoans
$193.7MDeposits
$18.3MEquity
Loan mix
90%RE $145.0M8%C&I $13.7M2%Consumer $2.6MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $157.6M19%Noninterest $36.1MQ2 2025Q2 2026

NIM

5.32%Q2 ’245.69%Q2 ’255.74%Q2 ’26+2%-1%

Non-interest income vs. expense

2.09%Q2 ’242.16%Q2 ’252.16%Q2 ’26+1%+4%

Market Position · Janesville-Beloit, WI · 2026 SOD (annual) · 5.6% share · #7 of 18 inst. · $0.2B of $3.5B

Executive Summary

  • Earnings: ROA of 1.55%, down 8 bps year over year; NIM at 3.98%.
  • Asset quality: problem loans at 2.34% of loans (+230 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.51%, down 2 bps from a year ago.
  • Funding: loans stand at 88.91% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.55%-8 bps YoY

Net Interest Margin (YTD, annualized)

3.98%-4 bps YoY

Efficiency Ratio (YTD, annualized)

50.20%+124 bps YoY

Tier 1 Leverage Ratio

9.51%-2 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.63%1.72%1.47%1.47%1.55%-8 bps
Return on Equity21.20%22.04%18.86%18.74%19.36%-184 bps
Net Interest Margin4.02%3.90%3.72%3.86%3.98%-4 bps
Efficiency Ratio48.96%47.61%47.07%52.60%50.20%+124 bps
Non-Interest Burden1.76%1.70%1.59%1.88%1.83%+6 bps
Growth
Asset Growth (YoY)8.73%15.14%12.64%7.58%5.10%-363 bps
Loan Growth (YoY)18.13%18.78%18.56%15.58%6.51%-1,162 bps
Deposit Growth (YoY)3.42%8.65%6.53%3.90%6.53%+311 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.02%2.36%2.41%2.34%+230 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.20%1.22%1.57%1.64%1.64%+43 bps
Allowance Coverage of NPLs39.8x59.7x0.7x0.7x0.7x-39.1x
Capital
Tier 1 Leverage Ratio9.53%9.14%8.60%8.98%9.51%-2 bps
Total Risk-Based Capital9.53%9.14%8.60%8.98%9.51%-2 bps
Equity / Assets8.31%8.07%7.81%7.89%8.28%-3 bps
Liquidity & Funding
Loans / Deposits88.92%88.46%85.40%86.64%88.91%-1 bps
Liquid Assets / Assets0.54%4.15%4.48%3.37%2.79%+225 bps
CRE / Total Capitaln/a457%443%435%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 Milton

Milton, WI · Cert 11232 · Peer group: banks under $1B in assets in WI (n=110-113) · Milton Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$221.4MAssets
$172.2MLoans
$193.7MDeposits
$18.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in WI (rank 37 of 110).
  • Widest gap: total risk-based capital ratio trails 95% of banks under $1B in assets in WI (rank 107 of 113).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.58%

Rank 27 of 113

Net Interest Margin

3.98%

Rank 24 of 113

Efficiency Ratio

50.20%

Rank 23 of 113

Equity / Assets

8.28%

Rank 98 of 113

Non-interest income vs. expense

$0.7M$4.8MINCOMEEXPENSE
Unfavorable gap of $4.1M · efficiency ratio beats 81% of banks under $1B in assets in WI
Bank 50.20%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.58%0.85%1.17%1.51%Beats 76%27 / 113
Return on Equity19.04%7.70%10.77%13.67%Beats 95%6 / 113
Net Interest Margin3.98%3.19%3.59%3.89%Beats 79%24 / 113
Efficiency Ratio50.20%54.61%62.43%71.88%Beats 81%23 / 113
Asset Quality
Nonperforming Loans / Loans2.34%0.03%0.24%0.91%Beats 7%103 / 110
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 100%37 / 110
Capital
Tier 1 Capital Ratio9.51%11.22%12.95%15.76%Beats 5%107 / 113
Total Risk-Based Capital Ratio9.51%11.57%13.59%16.73%Beats 5%107 / 113
Equity / Assets8.28%9.17%10.74%13.13%Beats 13%98 / 113
Liquidity & Funding
Loans / Deposits88.91%76.54%86.37%98.93%57th pctl48 / 112
Loans / Assets77.78%63.07%71.33%78.84%68th pctl36 / 113
Brokered Deposits / Depositsn/aNot reported for this institution