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Bank CMG

Madison, WI · Cert 11623 · CMG Bcorp

State charter, Fed member · FED · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

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 $1B-$10B in assets operating in a single state (n=257 to 258). 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

29

Q2 2024Q2 2026peer median (50)

Asset Quality

60

Q2 2024Q2 2026peer median (50)

Profitability

45

Q2 2024Q2 2026peer median (50)

Liquidity

91

Q2 2024Q2 2026peer median

Efficiency

23

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 CMG

Madison, WI · Cert 11623 · CMG Bcorp

State charter, Fed member · FED · 10 branches

Q2 2026

$1.1BAssets
$788.1MLoans
$935.0MDeposits
$94.9MEquity
Loan mix
88%RE $606.4M11%C&I $78.1M0%Consumer $1.0MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $750.2M20%Noninterest $184.8MQ2 2025Q2 2026

NIM

5.76%Q2 ’245.41%Q2 ’255.62%Q2 ’26-3%+20%

Non-interest income vs. expense

3.33%Q2 ’243.39%Q2 ’253.60%Q2 ’26+24%-15%

Market Position · Madison, WI · 2026 SOD (annual) · 1.0% share · #24 of 41 inst. · $0.3B of $30.1B

14.7% Jefferson
4.8% Racine
0.7% Dane
7.4% Green

Executive Summary

  • Earnings: ROA of 0.97%, up 85 bps year over year; NIM at 4.04%.
  • Asset quality: problem loans at 0.24% of loans (-19 bps YoY), with net recoveries of 0.05%.
  • Capital: tier 1 leverage ratio of 9.61%, up 37 bps from a year ago.
  • Funding: loans stand at 84.28% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.97%+85 bps YoY

Net Interest Margin (YTD, annualized)

4.04%+66 bps YoY

Efficiency Ratio (YTD, annualized)

70.33%-1,861 bps YoY

Tier 1 Leverage Ratio

9.61%+37 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.12%-0.35%-0.07%0.96%0.97%+85 bps
Return on Equity1.23%-3.44%-0.65%9.42%9.95%+872 bps
Net Interest Margin3.37%3.31%3.10%4.16%4.04%+66 bps
Efficiency Ratio88.94%108.36%98.80%68.59%70.33%-1,861 bps
Non-Interest Burden2.94%3.61%3.05%2.58%2.51%-43 bps
Growth
Asset Growth (YoY)27.21%29.04%39.57%34.89%42.48%+1,527 bps
Loan Growth (YoY)27.92%42.08%21.39%36.08%39.97%+1,205 bps
Deposit Growth (YoY)29.04%28.18%39.21%36.63%44.65%+1,560 bps
Asset Quality
Nonperforming Loans / Loans0.43%0.39%0.16%0.10%0.24%-19 bps
Net Charge-Offs / Loans0.34%0.30%0.28%-0.08%-0.05%-40 bps
Allowance / Loans1.10%0.90%0.95%0.95%0.95%-16 bps
Allowance Coverage of NPLs2.5x2.3x6.0x9.5x3.9x+1.3x
Capital
Tier 1 Leverage Ratio9.24%10.95%9.64%9.93%9.61%+37 bps
Total Risk-Based Capital11.95%13.67%13.82%13.50%12.92%+97 bps
Equity / Assets9.60%10.77%10.09%10.27%8.97%-63 bps
Liquidity & Funding
Loans / Deposits87.10%87.46%77.74%88.74%84.28%-282 bps
Liquid Assets / Assets12.98%14.09%5.72%5.10%12.23%-75 bps
CRE / Total Capitaln/a482%450%460%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 CMG

Madison, WI · Cert 11623 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · CMG Bcorp

State charter, Fed member · FED · 10 branches

Q2 2026

$1.1BAssets
$788.1MLoans
$935.0MDeposits
$94.9MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 83% of banks $1B-$10B in assets operating in a single state (rank 45 of 258).
  • Widest gap: return on assets trails 79% of banks $1B-$10B in assets operating in a single state (rank 203 of 258).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.87%

Rank 203 of 258

Net Interest Margin

4.04%

Rank 45 of 258

Efficiency Ratio

70.73%

Rank 200 of 257

Equity / Assets

8.97%

Rank 202 of 258

Non-interest income vs. expense

$10.1M$33.4MINCOMEEXPENSE
Unfavorable gap of $23.3M · efficiency ratio beats 23% of banks $1B-$10B in assets operating in a single state
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.87%0.93%1.23%1.54%Beats 21%203 / 258
Return on Equity9.70%9.26%11.84%14.74%Beats 30%181 / 258
Net Interest Margin4.04%3.16%3.49%3.88%Beats 83%45 / 258
Efficiency Ratio70.73%51.71%60.30%69.65%Beats 23%200 / 257
Asset Quality
Nonperforming Loans / Loans0.24%0.19%0.46%0.90%Beats 69%81 / 258
Net Charge-Offs / Loans0.02%0.01%0.02%0.07%Beats 50%131 / 258
Capital
Tier 1 Capital Ratio11.87%11.41%12.98%15.12%Beats 30%180 / 258
Total Risk-Based Capital Ratio12.92%12.10%13.91%16.08%Beats 36%164 / 258
Equity / Assets8.97%9.09%10.24%11.72%Beats 22%202 / 258
Liquidity & Funding
Loans / Deposits84.28%73.24%86.34%95.95%45th pctl142 / 258
Loans / Assets74.50%63.01%72.27%78.40%57th pctl110 / 258
Brokered Deposits / Depositsn/aNot reported for this institution