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Bank of Washington

Washington, MO · Cert 12627 · Diamond Bcorp 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 assets3

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 (n=322 to 328). 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

48

Q2 2024Q2 2026peer median (50)

Asset Quality

10

Q2 2024Q2 2026peer median (50)

Profitability

38

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

34

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 Washington

Washington, MO · Cert 12627 · Diamond Bcorp Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$1.1BAssets
$1.0BLoans
$887.8MDeposits
$142.5MEquity
Loan mix
68%RE $712.5M31%C&I $325.1M0%Consumer $3.9MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $719.2M19%Noninterest $168.5MQ2 2025Q2 2026

NIM

7.01%Q2 ’246.61%Q2 ’256.18%Q2 ’26-4%-2%

Non-interest income vs. expense

2.58%Q2 ’243.38%Q2 ’253.24%Q2 ’26+21%-5%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.6% share · #30 of 111 inst. · $0.9B of $141.7B

21.2% Franklin
0.1% St. Louis

Executive Summary

  • Earnings: ROA of 0.68%, up 33 bps year over year; NIM at 4.42%.
  • Asset quality: problem loans at 3.50% of loans (+90 bps YoY), with net charge-offs at 0.39%.
  • Capital: tier 1 leverage ratio of 12.47%, up 39 bps from a year ago.
  • Funding: loans stand at 116.09% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.68%+33 bps YoY

Net Interest Margin (YTD, annualized)

4.42%-10 bps YoY

Efficiency Ratio (YTD, annualized)

64.46%-150 bps YoY

Tier 1 Leverage Ratio

12.47%+39 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.35%0.64%0.87%0.17%0.68%+33 bps
Return on Equity2.98%5.39%7.31%1.41%5.59%+261 bps
Net Interest Margin4.52%4.61%4.64%4.39%4.42%-10 bps
Efficiency Ratio65.96%65.75%63.93%64.46%64.46%-150 bps
Non-Interest Burden2.78%2.77%2.69%2.62%2.63%-14 bps
Growth
Asset Growth (YoY)3.98%1.32%0.11%-0.31%1.48%-251 bps
Loan Growth (YoY)3.81%2.54%0.75%0.21%2.07%-174 bps
Deposit Growth (YoY)5.41%8.09%-0.45%-0.05%-1.55%-697 bps
Asset Quality
Nonperforming Loans / Loans2.60%2.43%1.76%3.72%3.50%+90 bps
Net Charge-Offs / Loans-0.01%0.00%0.54%-0.01%0.39%+40 bps
Allowance / Loans2.12%2.25%1.76%2.13%2.09%-3 bps
Allowance Coverage of NPLs0.8x0.9x1.0x0.6x0.6x-0.2x
Capital
Tier 1 Leverage Ratio12.08%12.39%12.52%12.19%12.47%+39 bps
Total Risk-Based Capital12.08%12.39%12.52%12.19%12.47%+39 bps
Equity / Assets11.96%12.19%12.10%11.92%12.41%+45 bps
Liquidity & Funding
Loans / Deposits111.96%110.90%115.75%117.39%116.09%+412 bps
Liquid Assets / Assets4.88%4.78%5.26%5.12%5.12%+24 bps
CRE / Total Capitaln/a400%404%408%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 Washington

Washington, MO · Cert 12627 · Peer group: banks $1B-$10B in assets (n=322-328) · Diamond Bcorp Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$1.1BAssets
$1.0BLoans
$887.8MDeposits
$142.5MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 91% of banks $1B-$10B in assets (rank 30 of 328).
  • Widest gap: nonperforming loans / loans trails 96% of banks $1B-$10B in assets (rank 310 of 322).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.69%

Rank 284 of 328

Net Interest Margin

4.42%

Rank 30 of 328

Efficiency Ratio

64.46%

Rank 216 of 328

Equity / Assets

12.41%

Rank 64 of 328

Non-interest income vs. expense

$6.9M$37.2MINCOMEEXPENSE
Unfavorable gap of $30.3M · efficiency ratio beats 34% of banks $1B-$10B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.69%0.91%1.22%1.52%Beats 13%284 / 328
Return on Equity5.55%8.43%11.45%14.43%Beats 9%299 / 328
Net Interest Margin4.42%3.03%3.45%3.83%Beats 91%30 / 328
Efficiency Ratio64.46%51.61%59.56%67.53%Beats 34%216 / 328
Asset Quality
Nonperforming Loans / Loans3.50%0.24%0.51%1.03%Beats 4%310 / 322
Net Charge-Offs / Loans0.20%0.01%0.03%0.10%Beats 16%273 / 322
Capital
Tier 1 Capital Ratio12.47%11.75%13.15%15.47%Beats 39%199 / 328
Total Risk-Based Capital Ratio12.47%12.63%14.15%16.46%Beats 24%250 / 328
Equity / Assets12.41%9.15%10.33%12.01%Beats 80%64 / 328
Liquidity & Funding
Loans / Deposits116.09%76.63%87.92%95.36%97th pctl10 / 323
Loans / Assets89.77%65.18%74.15%79.98%97th pctl9 / 328
Brokered Deposits / Depositsn/aNot reported for this institution