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Bank of Mauston

Mauston, WI · Cert 12327 · Mauston Bcorp Inc.

State charter, non-member · FDIC · 6 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

69

Q2 2024Q2 2026peer median (50)

Asset Quality

56

Q2 2024Q2 2026peer median (50)

Profitability

72

Q2 2024Q2 2026peer median (50)

Liquidity

25

Q2 2024Q2 2026peer median

Efficiency

93

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 Mauston

Mauston, WI · Cert 12327 · Mauston Bcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$426.7MAssets
$247.8MLoans
$367.7MDeposits
$57.2MEquity
Loan mix
87%RE $211.1M11%C&I $26.1M2%Consumer $4.4MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $318.1M13%Noninterest $49.6MQ2 2025Q2 2026

NIM

4.59%Q2 ’245.02%Q2 ’255.15%Q2 ’26+29%+6%

Non-interest income vs. expense

1.59%Q2 ’241.69%Q2 ’251.83%Q2 ’26+16%+0%

Executive Summary

  • Earnings: ROA of 2.02%, up 11 bps year over year; NIM at 3.54%.
  • Asset quality: problem loans at 0.19% of loans (+19 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.75%, up 62 bps from a year ago.
  • Funding: loans stand at 67.37% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.02%+11 bps YoY

Net Interest Margin (YTD, annualized)

3.54%+21 bps YoY

Efficiency Ratio (YTD, annualized)

41.17%-17 bps YoY

Tier 1 Leverage Ratio

14.75%+62 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.90%1.94%2.01%1.78%2.02%+11 bps
Return on Equity15.21%15.26%15.80%13.76%15.38%+17 bps
Net Interest Margin3.33%3.44%3.37%3.39%3.54%+21 bps
Efficiency Ratio41.34%42.09%41.75%47.09%41.17%-17 bps
Non-Interest Burden0.93%0.96%0.76%1.10%0.93%0 bps
Growth
Asset Growth (YoY)-1.51%0.02%5.64%6.09%6.04%+755 bps
Loan Growth (YoY)2.38%3.02%6.12%3.04%1.78%-60 bps
Deposit Growth (YoY)1.55%3.20%5.32%5.64%5.78%+423 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.01%0.01%0.01%0.19%+19 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.92%1.94%1.87%1.90%1.88%-4 bps
Allowance Coverage of NPLs311.8x311.9x155.6x160.9x9.8x-302.0x
Capital
Tier 1 Leverage Ratio14.13%14.67%14.91%14.32%14.75%+62 bps
Total Risk-Based Capital14.13%14.67%14.91%14.32%14.75%+62 bps
Equity / Assets12.88%13.26%12.70%13.22%13.40%+52 bps
Liquidity & Funding
Loans / Deposits70.02%69.33%67.48%67.81%67.37%-265 bps
Liquid Assets / Assets37.43%38.24%37.83%35.81%32.77%-466 bps
CRE / Total Capitaln/a292%294%283%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 Mauston

Mauston, WI · Cert 12327 · Peer group: banks under $1B in assets in WI (n=110-113) · Mauston Bcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$426.7MAssets
$247.8MLoans
$367.7MDeposits
$57.2MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 93% of banks under $1B in assets in WI (rank 9 of 113).
  • Widest gap: net interest margin trails 55% of banks under $1B in assets in WI (rank 62 of 113).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

2.00%

Rank 13 of 113

Net Interest Margin

3.54%

Rank 62 of 113

Efficiency Ratio

41.21%

Rank 9 of 113

Equity / Assets

13.40%

Rank 26 of 113

Non-interest income vs. expense

$3.8M$7.6MINCOMEEXPENSE
Unfavorable gap of $3.9M · efficiency ratio beats 93% of banks under $1B in assets in WI
Bank 41.21%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.00%0.85%1.17%1.51%Beats 88%13 / 113
Return on Equity14.96%7.70%10.77%13.67%Beats 84%18 / 113
Net Interest Margin3.54%3.19%3.59%3.89%Beats 45%62 / 113
Efficiency Ratio41.21%54.61%62.43%71.88%Beats 93%9 / 113
Asset Quality
Nonperforming Loans / Loans0.19%0.03%0.24%0.91%Beats 54%52 / 110
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 57%50 / 110
Capital
Tier 1 Capital Ratio14.75%11.22%12.95%15.76%Beats 67%37 / 113
Total Risk-Based Capital Ratio14.75%11.57%13.59%16.73%Beats 64%41 / 113
Equity / Assets13.40%9.17%10.74%13.13%Beats 77%26 / 113
Liquidity & Funding
Loans / Deposits67.37%76.54%86.37%98.93%18th pctl92 / 112
Loans / Assets58.06%63.07%71.33%78.84%19th pctl92 / 113
Brokered Deposits / Depositsn/aNot reported for this institution