PackageTrendsPeer
Letter portraitLegal landscape

Greenleaf Bank

Greenleaf, WI · Cert 12661 · G W Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in WI3

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 under $1B in assets in WI (n=110 to 113). 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

9

Q2 2024Q2 2026peer median (50)

Asset Quality

67

Q2 2024Q2 2026peer median (50)

Profitability

32

Q2 2024Q2 2026peer median (50)

Liquidity

22

Q2 2024Q2 2026peer median

Efficiency

49

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

Greenleaf Bank

Greenleaf, WI · Cert 12661 · G W Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$158.7MAssets
$90.4MLoans
$135.5MDeposits
$12.5MEquity
Loan mix
89%RE $79.0M11%C&I $9.7M1%Consumer $0.6MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $113.5M16%Noninterest $22.1MQ2 2025Q2 2026

NIM

4.26%Q2 ’244.53%Q2 ’254.72%Q2 ’26+2%+10%

Non-interest income vs. expense

2.18%Q2 ’242.04%Q2 ’252.01%Q2 ’26-5%-2%

Market Position · Green Bay, WI · 2026 SOD (annual) · 0.9% share · #12 of 20 inst. · $0.1B of $14.9B

Executive Summary

  • Earnings: ROA of 0.90%, up 25 bps year over year; NIM at 3.06%.
  • Asset quality: problem loans at 0.58% of loans (+55 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.63%, up 34 bps from a year ago.
  • Funding: loans stand at 66.66% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.90%+25 bps YoY

Net Interest Margin (YTD, annualized)

3.06%+29 bps YoY

Efficiency Ratio (YTD, annualized)

62.82%-732 bps YoY

Tier 1 Leverage Ratio

9.63%+34 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%0.65%0.59%0.89%0.90%+25 bps
Return on Equity9.88%9.60%8.41%11.42%11.50%+162 bps
Net Interest Margin2.77%2.79%2.80%3.03%3.06%+29 bps
Efficiency Ratio70.13%70.03%69.92%62.91%62.82%-732 bps
Non-Interest Burden1.90%1.91%1.92%1.85%1.87%-3 bps
Growth
Asset Growth (YoY)12.86%12.87%4.65%3.53%7.62%-524 bps
Loan Growth (YoY)1.06%-0.24%5.60%2.49%0.33%-73 bps
Deposit Growth (YoY)6.58%7.22%5.25%2.28%7.33%+75 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.57%0.52%0.56%0.58%+55 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.56%1.56%1.54%1.61%1.63%+7 bps
Allowance Coverage of NPLs48.3x2.7x3.0x2.9x2.8x-45.5x
Capital
Tier 1 Leverage Ratio9.29%9.44%9.31%9.59%9.63%+34 bps
Total Risk-Based Capital9.29%9.44%9.31%9.59%9.63%+34 bps
Equity / Assets7.10%7.54%7.75%7.87%7.89%+79 bps
Liquidity & Funding
Loans / Deposits71.31%70.84%71.24%70.83%66.66%-465 bps
Liquid Assets / Assets3.30%3.42%3.45%3.47%4.01%+71 bps
CRE / Total Capitaln/a303%314%298%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

Greenleaf Bank

Greenleaf, WI · Cert 12661 · Peer group: banks under $1B in assets in WI (n=110-113) · G W Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$158.7MAssets
$90.4MLoans
$135.5MDeposits
$12.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in WI (rank 37 of 110).
  • Widest gap: equity / assets trails 91% of banks under $1B in assets in WI (rank 103 of 113).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.89%

Rank 83 of 113

Net Interest Margin

3.06%

Rank 93 of 113

Efficiency Ratio

62.82%

Rank 59 of 113

Equity / Assets

7.89%

Rank 103 of 113

Non-interest income vs. expense

$0.2M$3.2MINCOMEEXPENSE
Unfavorable gap of $3.0M · efficiency ratio beats 49% of banks under $1B in assets in WI
Bank 62.82%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.89%0.85%1.17%1.51%Beats 27%83 / 113
Return on Equity11.24%7.70%10.77%13.67%Beats 52%54 / 113
Net Interest Margin3.06%3.19%3.59%3.89%Beats 18%93 / 113
Efficiency Ratio62.82%54.61%62.43%71.88%Beats 49%59 / 113
Asset Quality
Nonperforming Loans / Loans0.58%0.03%0.24%0.91%Beats 33%75 / 110
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 100%37 / 110
Capital
Tier 1 Capital Ratio9.63%11.22%12.95%15.76%Beats 9%103 / 113
Total Risk-Based Capital Ratio9.63%11.57%13.59%16.73%Beats 9%103 / 113
Equity / Assets7.89%9.17%10.74%13.13%Beats 9%103 / 113
Liquidity & Funding
Loans / Deposits66.66%76.54%86.37%98.93%17th pctl93 / 112
Loans / Assets56.93%63.07%71.33%78.84%18th pctl93 / 113
Brokered Deposits / Depositsn/aNot reported for this institution