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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=109 to 112). 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

70

Q2 2024Q2 2026peer median (50)

Asset Quality

56

Q2 2024Q2 2026peer median (50)

Profitability

73

Q2 2024Q2 2026peer median (50)

Liquidity

25

Q2 2024Q2 2026peer median

Efficiency

94

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

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 $4.4MQ3 2024Q2 2026
Deposit mix
87%Interest-bearing $318.1M13%Noninterest $49.6MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.44%1.41%1.72%1.90%1.94%2.01%1.78%2.02%+11 bps
Return on Equity12.61%12.27%13.94%15.21%15.26%15.80%13.76%15.38%+17 bps
Net Interest Margin2.54%2.72%3.15%3.33%3.44%3.37%3.39%3.54%+21 bps
Efficiency Ratio46.63%49.24%45.15%41.34%42.09%41.75%47.09%41.17%-17 bps
Non-Interest Burden0.78%0.94%1.00%0.93%0.96%0.76%1.10%0.93%0 bps
Growth
Asset Growth (YoY)3.42%-0.07%-0.84%-1.51%0.02%5.64%6.09%6.04%+755 bps
Loan Growth (YoY)1.89%3.37%4.29%2.38%3.02%6.12%3.04%1.78%-60 bps
Deposit Growth (YoY)3.72%3.91%3.47%1.55%3.20%5.32%5.64%5.78%+423 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.01%0.01%0.01%0.01%0.01%0.19%+19 bps
Net Charge-Offs / Loans0.03%0.02%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans2.00%1.98%1.96%1.92%1.94%1.87%1.90%1.88%-4 bps
Allowance Coverage of NPLs467.6x1558.3x333.9x311.8x311.9x155.6x160.9x9.8x-302.0x
Capital
Tier 1 Leverage Ratio12.93%13.44%13.71%14.13%14.67%14.91%14.32%14.75%+62 bps
Total Risk-Based Capital12.93%13.44%13.71%14.13%14.67%14.91%14.32%14.75%+62 bps
Equity / Assets11.85%12.02%12.65%12.88%13.26%12.70%13.22%13.40%+52 bps
Liquidity & Funding
Loans / Deposits69.46%66.97%69.52%70.02%69.33%67.48%67.81%67.37%-265 bps
Liquid Assets / Assets40.77%39.69%38.14%37.43%38.24%37.83%35.81%32.77%-466 bps
CRE / Total Capitaln/an/an/an/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 2026-10-10

Bank of Mauston

Mauston, WI · Cert 12327 · Peer group: banks under $1B in assets in WI (n=109-112) · 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 94% of banks under $1B in assets in WI (rank 8 of 112).
  • Widest gap: net interest margin trails 54% of banks under $1B in assets in WI (rank 61 of 112).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

2.00%

Rank 12 of 112

Net Interest Margin

3.54%

Rank 61 of 112

Efficiency Ratio

41.21%

Rank 8 of 112

Equity / Assets

13.40%

Rank 25 of 112

Non-interest income vs. expense

$3.8M$7.6MINCOMEEXPENSE
Unfavorable gap of $3.9M · efficiency ratio beats 94% of banks under $1B in assets in WI
Bank 41.21%Peer median 62.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets2.00%0.85%1.17%1.51%Beats 89%12 / 112
Return on Equity14.96%7.87%10.91%13.85%Beats 84%18 / 112
Net Interest Margin3.54%3.19%3.59%3.89%Beats 46%61 / 112
Efficiency Ratio41.21%54.87%62.73%72.61%Beats 94%8 / 112
Asset Quality
Nonperforming Loans / Loans0.19%0.03%0.22%0.91%Beats 53%52 / 109
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 58%49 / 109
Capital
Tier 1 Capital Ratio14.75%11.22%12.95%15.76%Beats 68%36 / 112
Total Risk-Based Capital Ratio14.75%11.57%13.59%16.73%Beats 64%40 / 112
Equity / Assets13.40%9.17%10.74%13.13%Beats 78%25 / 112
Liquidity & Funding
Loans / Deposits67.37%75.89%86.36%98.49%18th pctl91 / 111
Loans / Assets58.06%64.03%71.52%78.98%19th pctl91 / 112
Brokered Deposits / Depositsn/aNot reported for this institution