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

Asset Quality

Profitability

Liquidity

Efficiency

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.

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

Deposit mix

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.

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

NIM

Non-interest income vs. expense

Year to date, annualized, through each quarter.

Metric	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	0.59%	0.43%	0.15%	0.12%	-0.35%	-0.07%	0.96%	0.97%	+85 bps
Return on Equity	5.64%	4.14%	1.51%	1.23%	-3.44%	-0.65%	9.42%	9.95%	+872 bps
Net Interest Margin	3.51%	3.35%	3.46%	3.37%	3.31%	3.10%	4.16%	4.04%	+66 bps
Efficiency Ratio	79.80%	84.14%	92.68%	88.94%	108.36%	98.80%	68.59%	70.33%	-1,861 bps
Non-Interest Burden	2.64%	2.71%	3.15%	2.94%	3.61%	3.05%	2.58%	2.51%	-43 bps
Growth
Asset Growth (YoY)	10.09%	8.35%	11.71%	27.21%	29.04%	39.57%	34.89%	42.48%	+1,527 bps
Loan Growth (YoY)	-9.16%	2.95%	10.28%	27.92%	42.08%	21.39%	36.08%	39.97%	+1,205 bps
Deposit Growth (YoY)	13.48%	10.80%	13.45%	29.04%	28.18%	39.21%	36.63%	44.65%	+1,560 bps
Asset Quality
Nonperforming Loans / Loans	0.26%	0.23%	0.49%	0.43%	0.39%	0.16%	0.10%	0.24%	-19 bps
Net Charge-Offs / Loans	0.97%	0.92%	0.64%	0.34%	0.30%	0.28%	-0.08%	-0.05%	-40 bps
Allowance / Loans	1.58%	1.27%	1.12%	1.10%	0.90%	0.95%	0.95%	0.95%	-16 bps
Allowance Coverage of NPLs	6.0x	5.6x	2.3x	2.5x	2.3x	6.0x	9.5x	3.9x	+1.3x
Capital
Tier 1 Leverage Ratio	10.06%	9.25%	9.32%	9.24%	10.95%	9.64%	9.93%	9.61%	+37 bps
Total Risk-Based Capital	13.55%	12.17%	12.26%	11.95%	13.67%	13.82%	13.50%	12.92%	+97 bps
Equity / Assets	10.17%	10.11%	9.84%	9.60%	10.77%	10.09%	10.27%	8.97%	-63 bps
Liquidity & Funding
Loans / Deposits	78.90%	89.15%	89.10%	87.10%	87.46%	77.74%	88.74%	84.28%	-282 bps
Liquid Assets / Assets	19.22%	10.71%	11.98%	12.98%	14.09%	5.72%	5.10%	12.23%	-75 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	482%	450%	460%	n/a	n/a

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

Unfavorable gap of $23.3M · efficiency ratio beats 23% of banks $1B-$10B in assets operating in a single state

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank	8-Qtr Trend
Earnings
Return on Assets	0.87%	0.93%	1.23%	1.54%	Beats 21%	203 / 258	n/a
Return on Equity	9.70%	9.26%	11.84%	14.74%	Beats 30%	181 / 258	n/a
Net Interest Margin	4.04%	3.16%	3.49%	3.88%	Beats 83%	45 / 258	n/a
Efficiency Ratio	70.73%	51.71%	60.30%	69.65%	Beats 23%	200 / 257	n/a
Asset Quality
Nonperforming Loans / Loans	0.24%	0.19%	0.46%	0.90%	Beats 69%	81 / 258	n/a
Net Charge-Offs / Loans	0.02%	0.01%	0.02%	0.07%	Beats 50%	131 / 258	n/a
Capital
Tier 1 Capital Ratio	11.87%	11.41%	12.98%	15.12%	Beats 30%	180 / 258	n/a
Total Risk-Based Capital Ratio	12.92%	12.10%	13.91%	16.08%	Beats 36%	164 / 258	n/a
Equity / Assets	8.97%	9.09%	10.24%	11.72%	Beats 22%	202 / 258	n/a
Liquidity & Funding
Loans / Deposits	84.28%	73.24%	86.34%	95.95%	45th pctl	142 / 258	n/a
Loans / Assets	74.50%	63.01%	72.27%	78.40%	57th pctl	110 / 258	n/a
Brokered Deposits / Deposits	n/a	Not reported for this institution