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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 $3.9MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $719.2M19%Noninterest $168.5MQ3 2024Q2 2026

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets1.51%1.19%1.08%0.35%0.64%0.87%0.17%0.68%+33 bps
Net Interest Margin4.69%4.57%4.35%4.52%4.61%4.64%4.39%4.42%-10 bps
Non-Interest Burden2.22%2.19%2.48%2.78%2.77%2.69%2.62%2.63%-14 bps
Loan Growth (YoY)3.19%6.49%10.83%3.81%2.54%0.75%0.21%2.07%-174 bps
Nonperforming Loans / Loans1.95%2.41%2.33%2.60%2.43%1.76%3.72%3.50%+90 bps
Allowance / Loans1.76%1.41%1.53%2.12%2.25%1.76%2.13%2.09%-3 bps
Tier 1 Leverage Ratio12.60%12.21%12.10%12.08%12.39%12.52%12.19%12.47%+39 bps
Equity / Assets12.34%11.67%11.76%11.96%12.19%12.10%11.92%12.41%+45 bps
Liquid Assets / Assets4.26%4.77%4.67%4.88%4.78%5.26%5.12%5.12%+24 bps

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

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 75thStandingRank8-Qtr TrendPeer Position
Return on Assets0.69%0.91%1.22%1.52%Beats 13%284 / 328n/a
Net Interest Margin4.42%3.03%3.45%3.83%Beats 91%30 / 328n/a
Nonperforming Loans / Loans3.50%0.24%0.51%1.03%Beats 4%310 / 322n/a
Tier 1 Capital Ratio12.47%11.75%13.15%15.47%Beats 39%199 / 328n/a
Equity / Assets12.41%9.15%10.33%12.01%Beats 80%64 / 328n/a
Loans / Assets89.77%65.18%74.15%79.98%97th pctl9 / 328n/a