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Bank Five Nine

Oconomowoc, WI · Cert 12517 · Oconomowoc Bancshares Inc.

State charter, non-member · FDIC · 15 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

36

Q2 2024Q2 2026peer median (50)

Asset Quality

30

Q2 2024Q2 2026peer median (50)

Profitability

58

Q2 2024Q2 2026peer median (50)

Liquidity

34

Q2 2024Q2 2026peer median

Efficiency

55

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 Five Nine

Oconomowoc, WI · Cert 12517 · Oconomowoc Bancshares Inc.

State charter, non-member · FDIC · 15 branches

Q2 2026

$2.5BAssets
$2.1BLoans
$2.1BDeposits
$242.8MEquity
Loan mix
96%RE $1.9B4%C&I $0.1B0%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
89%Interest-bearing $1.9B11%Noninterest $0.2BQ3 2024Q2 2026

Market Position · Milwaukee-Waukesha, WI · 2026 SOD (annual) · 2.6% share · #6 of 43 inst. · $2.1B of $79.9B

7.9% Waukesha
10.8% Washington
4.9% Ozaukee
0.1% Milwaukee

Executive Summary

  • Earnings: ROA of 1.32%, up 15 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 1.91% of loans (+133 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 9.77%, up 144 bps from a year ago.
  • Funding: loans stand at 97.92% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.32%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.35%+52 bps YoY

Efficiency Ratio (YTD, annualized)

58.63%-461 bps YoY

Tier 1 Leverage Ratio

9.77%+144 bps YoY

NIM

5.67%Q2 ’246.01%Q2 ’256.23%Q2 ’26+2%+18%

Non-interest income vs. expense

2.84%Q2 ’242.40%Q2 ’252.50%Q2 ’26-29%+11%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.75%0.83%1.22%1.17%1.06%0.96%1.48%1.32%+15 bps
Return on Equity9.17%10.30%15.73%15.09%13.29%11.80%16.71%14.51%-57 bps
Net Interest Margin2.78%2.74%2.83%2.83%2.82%2.87%3.17%3.35%+52 bps
Efficiency Ratio77.66%75.74%60.42%63.25%66.08%67.14%54.41%58.63%-461 bps
Non-Interest Burden1.96%1.87%1.35%1.43%1.56%1.65%1.34%1.59%+16 bps
Growth
Asset Growth (YoY)17.96%16.60%20.63%20.37%20.55%16.26%7.65%1.05%-1,932 bps
Loan Growth (YoY)18.34%17.18%14.48%9.88%9.82%8.01%7.29%7.75%-213 bps
Deposit Growth (YoY)23.31%21.10%21.67%24.18%24.21%18.39%7.19%-0.03%-2,421 bps
Asset Quality
Nonperforming Loans / Loans0.63%0.79%0.63%0.59%0.72%0.89%1.63%1.91%+133 bps
Net Charge-Offs / Loans0.00%0.00%-0.02%-0.01%0.00%0.08%0.00%0.03%+4 bps
Allowance / Loans0.50%0.48%0.49%0.50%0.51%0.54%0.58%0.65%+15 bps
Allowance Coverage of NPLs0.8x0.6x0.8x0.9x0.7x0.6x0.4x0.3x-0.5x
Capital
Tier 1 Leverage Ratio8.89%8.66%8.48%8.33%9.14%9.09%9.41%9.77%+144 bps
Total Risk-Based Capital10.94%10.93%11.09%11.40%12.55%12.48%12.60%12.78%+137 bps
Equity / Assets8.12%7.76%7.76%7.80%8.60%8.65%9.08%9.59%+179 bps
Liquidity & Funding
Loans / Deposits101.04%99.09%93.94%90.85%89.33%90.40%94.03%97.92%+707 bps
Liquid Assets / Assets1.11%2.31%6.01%8.51%9.56%5.19%2.46%0.48%-803 bps
CRE / Total Capitaln/an/an/an/a634%649%635%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 Five Nine

Oconomowoc, WI · Cert 12517 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Oconomowoc Bancshares Inc.

State charter, non-member · FDIC · 15 branches

Q2 2026

$2.5BAssets
$2.1BLoans
$2.1BDeposits
$242.8MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 70% of banks $1B-$10B in assets operating in a single state (rank 78 of 258).
  • Widest gap: nonperforming loans / loans trails 93% of banks $1B-$10B in assets operating in a single state (rank 241 of 258).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.36%

Rank 94 of 258

Net Interest Margin

3.35%

Rank 155 of 258

Efficiency Ratio

58.63%

Rank 116 of 257

Equity / Assets

9.59%

Rank 160 of 258

Non-interest income vs. expense

$23.7M$65.1MINCOMEEXPENSE
Unfavorable gap of $41.4M · efficiency ratio beats 55% of banks $1B-$10B in assets operating in a single state
Bank 58.63%Peer median 60.3%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.36%0.93%1.23%1.54%Beats 64%94 / 258
Return on Equity14.16%9.26%11.84%14.74%Beats 70%78 / 258
Net Interest Margin3.35%3.16%3.49%3.88%Beats 40%155 / 258
Efficiency Ratio58.63%51.71%60.30%69.65%Beats 55%116 / 257
Asset Quality
Nonperforming Loans / Loans1.91%0.19%0.46%0.90%Beats 7%241 / 258
Net Charge-Offs / Loans0.02%0.01%0.02%0.07%Beats 52%125 / 258
Capital
Tier 1 Capital Ratio12.13%11.41%12.98%15.12%Beats 36%166 / 258
Total Risk-Based Capital Ratio12.78%12.10%13.91%16.08%Beats 34%171 / 258
Equity / Assets9.59%9.09%10.24%11.72%Beats 38%160 / 258
Liquidity & Funding
Loans / Deposits97.92%73.24%86.34%95.95%81st pctl48 / 258
Loans / Assets81.14%63.01%72.27%78.40%83rd pctl45 / 258
Brokered Deposits / Depositsn/aNot reported for this institution