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Ixonia Bank

Ixonia, WI · Cert 12514 · Ixonia Bancshares Inc.

State charter, non-member · FDIC · 7 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

33

Q2 2024Q2 2026peer median (50)

Asset Quality

57

Q2 2024Q2 2026peer median (50)

Profitability

65

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

4

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

Ixonia Bank

Ixonia, WI · Cert 12514 · Ixonia Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$1.1BAssets
$820.6MLoans
$679.8MDeposits
$95.0MEquity
Loan mix
77%RE $588.7M23%C&I $176.5M0%Consumer $1.2MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $595.2M12%Noninterest $84.6MQ2 2025Q2 2026

NIM

9.28%Q2 ’249.90%Q2 ’259.64%Q2 ’26+9%-2%

Non-interest income vs. expense

12.12%Q2 ’2414.26%Q2 ’2514.31%Q2 ’26+2%-2%

Market Position · Milwaukee-Waukesha, WI · 2026 SOD (annual) · 0.2% share · #32 of 43 inst. · $0.1B of $79.9B

22.8% Jefferson
0.7% Waukesha
0.0% Milwaukee

Executive Summary

  • Earnings: ROA of 1.21%, down 35 bps year over year; NIM at 7.30%.
  • Asset quality: problem loans at 0.25% of loans (+17 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 9.95%, down 38 bps from a year ago.
  • Funding: loans stand at 120.71% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.21%-35 bps YoY

Net Interest Margin (YTD, annualized)

7.30%-16 bps YoY

Efficiency Ratio (YTD, annualized)

86.70%+34 bps YoY

Tier 1 Leverage Ratio

9.95%-38 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.56%1.68%1.51%0.80%1.21%-35 bps
Return on Equity16.72%18.13%16.35%8.57%13.18%-354 bps
Net Interest Margin7.45%7.18%6.99%6.88%7.30%-16 bps
Efficiency Ratio86.36%85.93%87.02%86.94%86.70%+34 bps
Non-Interest Burden5.19%4.89%4.94%4.80%5.09%-10 bps
Growth
Asset Growth (YoY)14.53%13.84%17.35%19.39%22.24%+770 bps
Loan Growth (YoY)25.28%23.62%23.11%25.79%19.41%-587 bps
Deposit Growth (YoY)5.85%8.82%11.21%12.80%18.40%+1,255 bps
Asset Quality
Nonperforming Loans / Loans0.08%0.00%0.55%0.44%0.25%+17 bps
Net Charge-Offs / Loans0.03%0.03%0.04%0.00%0.04%0 bps
Allowance / Loans1.09%1.13%1.11%1.09%1.05%-4 bps
Allowance Coverage of NPLs14.2xn/a2.0x2.5x4.2x-9.9x
Capital
Tier 1 Leverage Ratio10.33%9.79%9.73%9.82%9.95%-38 bps
Total Risk-Based Capital13.75%13.55%13.52%13.27%13.32%-43 bps
Equity / Assets9.27%9.22%9.17%9.46%8.84%-43 bps
Liquidity & Funding
Loans / Deposits119.70%118.37%121.87%127.68%120.71%+102 bps
Liquid Assets / Assets3.88%6.79%6.92%5.93%11.61%+773 bps
CRE / Total Capitaln/a280%289%288%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

Ixonia Bank

Ixonia, WI · Cert 12514 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Ixonia Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$1.1BAssets
$820.6MLoans
$679.8MDeposits
$95.0MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 98% of banks $1B-$10B in assets operating in a single state (rank 4 of 258).
  • Widest gap: efficiency ratio trails 96% of banks $1B-$10B in assets operating in a single state (rank 247 of 257).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.12%

Rank 151 of 258

Net Interest Margin

7.30%

Rank 4 of 258

Efficiency Ratio

86.70%

Rank 247 of 257

Equity / Assets

8.84%

Rank 207 of 258

Non-interest income vs. expense

$90.1M$139.9MINCOMEEXPENSE
Unfavorable gap of $49.7M · efficiency ratio beats 4% of banks $1B-$10B in assets operating in a single state
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.12%0.93%1.23%1.54%Beats 41%151 / 258
Return on Equity12.62%9.26%11.84%14.74%Beats 57%110 / 258
Net Interest Margin7.30%3.16%3.49%3.88%Beats 98%4 / 258
Efficiency Ratio86.70%51.71%60.30%69.65%Beats 4%247 / 257
Asset Quality
Nonperforming Loans / Loans0.25%0.19%0.46%0.90%Beats 68%84 / 258
Net Charge-Offs / Loans0.03%0.01%0.02%0.07%Beats 46%141 / 258
Capital
Tier 1 Capital Ratio12.23%11.41%12.98%15.12%Beats 37%163 / 258
Total Risk-Based Capital Ratio13.32%12.10%13.91%16.08%Beats 42%150 / 258
Equity / Assets8.84%9.09%10.24%11.72%Beats 20%207 / 258
Liquidity & Funding
Loans / Deposits120.71%73.24%86.34%95.95%97th pctl8 / 258
Loans / Assets76.30%63.01%72.27%78.40%66th pctl89 / 258
Brokered Deposits / Depositsn/aNot reported for this institution