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Partners Bank

Spencer, WI · Cert 12513 · Stratford Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$294.2MAssets
$178.3MLoans
$224.2MDeposits
$40.3MEquity
Loan mix
81%RE $142.4M16%C&I $28.7M3%Consumer $4.9MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $176.9M21%Noninterest $47.3MQ2 2025Q2 2026

NIM

4.04%Q2 ’244.45%Q2 ’254.68%Q2 ’26+23%+11%

Non-interest income vs. expense

1.83%Q2 ’241.99%Q2 ’252.05%Q2 ’26+13%+6%

Market Position · Wausau, WI · 2026 SOD (annual) · 3.1% share · #9 of 17 inst. · $0.2B of $5.4B

3.1% Marathon
2.2% Wood

Executive Summary

  • Earnings: ROA of 1.28%, up 10 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 0.36% of loans (+4 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 14.70%, up 27 bps from a year ago.
  • Funding: loans stand at 79.52% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.28%+10 bps YoY

Net Interest Margin (YTD, annualized)

3.41%+34 bps YoY

Efficiency Ratio (YTD, annualized)

57.60%-333 bps YoY

Tier 1 Leverage Ratio

14.70%+27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.18%1.15%1.18%1.30%1.28%+10 bps
Return on Equity9.16%8.95%9.09%9.63%9.43%+28 bps
Net Interest Margin3.06%2.94%3.12%3.32%3.41%+34 bps
Efficiency Ratio60.93%59.79%58.41%58.77%57.60%-333 bps
Non-Interest Burden1.78%1.68%1.73%1.87%1.88%+10 bps
Growth
Asset Growth (YoY)-1.39%1.94%4.89%6.59%6.07%+746 bps
Loan Growth (YoY)5.36%7.35%5.18%3.97%-3.45%-881 bps
Deposit Growth (YoY)-3.31%0.70%4.62%6.03%7.94%+1,125 bps
Asset Quality
Nonperforming Loans / Loans0.32%0.37%0.36%0.53%0.36%+4 bps
Net Charge-Offs / Loans-0.03%-0.04%-0.03%-0.06%-0.03%0 bps
Allowance / Loans1.30%1.34%1.42%1.49%1.56%+25 bps
Allowance Coverage of NPLs4.1x3.6x3.9x2.8x4.3x+0.2x
Capital
Tier 1 Leverage Ratio14.43%13.67%14.03%14.26%14.70%+27 bps
Total Risk-Based Capital14.43%13.67%14.03%14.26%14.70%+27 bps
Equity / Assets13.18%12.77%13.33%13.64%13.70%+52 bps
Liquidity & Funding
Loans / Deposits88.90%82.69%83.95%83.63%79.52%-938 bps
Liquid Assets / Assets0.19%0.55%0.16%0.06%0.17%-2 bps
CRE / Total Capitaln/a149.27%146.32%140.25%n/an/a