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Sundance State Bank

Sundance, WY · Cert 1169 · Sundance Bankshares Inc.

State charter, Fed member · FED · 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 operating regionally3

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 operating regionally (n=99). 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

73

Q2 2024Q2 2026peer median (50)

Asset Quality

35

Q2 2024Q2 2026peer median (50)

Profitability

82

Q2 2024Q2 2026peer median (50)

Liquidity

56

Q2 2024Q2 2026peer median

Efficiency

92

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 2026-10-10

Sundance State Bank

Sundance, WY · Cert 1169 · Sundance Bankshares Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$290.9MAssets
$190.5MLoans
$255.2MDeposits
$30.8MEquity
Loan mix
77%RE $114.6M17%C&I $25.7M5%Consumer $7.9MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $205.7M19%Noninterest $49.5MQ2 2025Q2 2026

NIM

5.29%Q2 ’245.38%Q2 ’255.59%Q2 ’26+7%+13%

Non-interest income vs. expense

1.90%Q2 ’241.77%Q2 ’252.01%Q2 ’26-8%+14%

Executive Summary

  • Earnings: ROA of 1.68%, up 15 bps year over year; NIM at 4.02%.
  • Asset quality: problem loans at 0.56% of loans (-39 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 11.90%, down 6 bps from a year ago.
  • Funding: loans stand at 74.65% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.68%+15 bps YoY

Net Interest Margin (YTD, annualized)

4.02%+47 bps YoY

Efficiency Ratio (YTD, annualized)

46.71%+20 bps YoY

Tier 1 Leverage Ratio

11.90%-6 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.54%1.53%1.17%1.68%1.68%+15 bps
Return on Equity16.19%15.51%11.91%16.57%16.37%+18 bps
Net Interest Margin3.55%3.60%3.40%3.82%4.02%+47 bps
Efficiency Ratio46.52%48.15%60.61%47.19%46.71%+20 bps
Non-Interest Burden1.52%1.60%1.96%1.66%1.73%+21 bps
Growth
Asset Growth (YoY)16.73%8.67%1.74%6.08%-0.27%-1,699 bps
Loan Growth (YoY)5.76%5.92%8.79%10.72%13.46%+770 bps
Deposit Growth (YoY)19.85%10.75%2.09%7.40%0.33%-1,952 bps
Asset Quality
Nonperforming Loans / Loans0.95%0.99%0.99%0.75%0.56%-39 bps
Net Charge-Offs / Loans-0.08%-0.07%0.00%-0.02%0.10%+18 bps
Allowance / Loans1.69%1.75%1.73%1.59%1.50%-19 bps
Allowance Coverage of NPLs1.8x1.8x1.7x2.1x2.7x+0.9x
Capital
Tier 1 Leverage Ratio11.96%12.29%10.63%11.24%11.90%-6 bps
Total Risk-Based Capital16.96%17.84%16.81%16.64%16.32%-63 bps
Equity / Assets9.76%11.13%9.68%10.57%10.60%+84 bps
Liquidity & Funding
Loans / Deposits66.01%70.89%62.32%71.44%74.65%+864 bps
Liquid Assets / Assets16.03%8.69%14.16%4.47%4.17%-1,186 bps
CRE / Total Capitaln/a145.65%159.65%161.16%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 2026-10-10

Sundance State Bank

Sundance, WY · Cert 1169 · Peer group: banks under $1B in assets operating regionally (n=99) · Sundance Bankshares Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$290.9MAssets
$190.5MLoans
$255.2MDeposits
$30.8MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 92% of banks under $1B in assets operating regionally (rank 9 of 99).
  • Widest gap: net charge-offs / loans trails 76% of banks under $1B in assets operating regionally (rank 76 of 99).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.68%

Rank 10 of 99

Net Interest Margin

4.02%

Rank 32 of 99

Efficiency Ratio

46.71%

Rank 9 of 99

Equity / Assets

10.60%

Rank 39 of 99

Non-interest income vs. expense

$0.8M$5.6MINCOMEEXPENSE
Unfavorable gap of $4.8M · efficiency ratio beats 92% of banks under $1B in assets operating regionally
Bank 46.71%Peer median 62.4%Q1 2026Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.68%0.82%1.19%1.48%Beats 90%10 / 99
Return on Equity15.86%7.92%11.87%14.08%Beats 87%13 / 99
Net Interest Margin4.02%3.44%3.80%4.18%Beats 68%32 / 99
Efficiency Ratio46.71%55.83%62.41%73.02%Beats 92%9 / 99
Asset Quality
Nonperforming Loans / Loans0.56%0.19%0.46%1.04%Beats 45%55 / 99
Net Charge-Offs / Loans0.06%0.00%0.02%0.06%Beats 24%76 / 99
Capital
Tier 1 Capital Ratio15.07%10.28%11.95%14.75%Beats 79%21 / 99
Total Risk-Based Capital Ratio16.32%10.45%12.59%15.64%Beats 80%20 / 99
Equity / Assets10.60%8.89%10.14%11.36%Beats 61%39 / 99
Liquidity & Funding
Loans / Deposits74.65%74.57%84.03%94.55%25th pctl74 / 99
Loans / Assets65.47%62.55%71.25%78.99%30th pctl69 / 99
Brokered Deposits / Depositsn/aNot reported for this institution