PackageTrendsPeer
Letter portraitLegal landscape

Bridge Community Bank

Mount Vernon, IA · Cert 12717 · Orion Bcorp Inc.

State charter, non-member · FDIC · 3 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 IA3

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 IA (n=134 to 135). 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

38

Q2 2024Q2 2026peer median (50)

Asset Quality

88

Q2 2024Q2 2026peer median (50)

Profitability

62

Q2 2024Q2 2026peer median (50)

Liquidity

84

Q2 2024Q2 2026peer median

Efficiency

24

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

Bridge Community Bank

Mount Vernon, IA · Cert 12717 · Orion Bcorp Inc.

State charter, non-member · FDIC · 1 affiliate bank · 3 branches (11 in holding)

Q2 2026

$141.1MAssets
$98.8MLoans
$116.7MDeposits
$22.4MEquity
Loan mix
77%RE $63.4M18%C&I $14.7M5%Consumer $4.1MQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $88.1M24%Noninterest $28.6MQ3 2024Q2 2026

Market Position · Cedar Rapids, IA · 2026 SOD (annual) · 0.3% share · #32 of 35 inst. · $0.0B of $8.8B

14.1% Cedar
0.4% Linn
0.5% Johnson

Executive Summary

  • Earnings: ROA of 1.26%, up 20 bps year over year; NIM at 4.61%.
  • Asset quality: problem loans at 0.03% of loans (+1 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.49%, down 120 bps from a year ago.
  • Funding: loans stand at 84.69% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.26%+20 bps YoY

Net Interest Margin (YTD, annualized)

4.61%+104 bps YoY

Efficiency Ratio (YTD, annualized)

44.72%-1,098 bps YoY

Tier 1 Leverage Ratio

10.49%-120 bps YoY

NIM

4.48%Q2 ’244.90%Q2 ’255.56%Q2 ’26+13%+29%

Non-interest income vs. expense

2.37%Q2 ’242.33%Q2 ’253.04%Q2 ’26-1%+52%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.09%1.16%1.35%1.06%-0.14%0.66%1.30%1.26%+20 bps
Return on Equity9.47%10.04%11.28%8.94%-1.17%5.09%8.83%8.37%-56 bps
Net Interest Margin3.06%3.23%3.55%3.58%1.54%2.35%4.61%4.61%+104 bps
Efficiency Ratio62.02%61.11%56.57%55.70%36.42%42.27%43.30%44.72%-1,098 bps
Non-Interest Burden1.69%1.76%1.74%1.72%0.73%1.25%2.56%2.61%+89 bps
Growth
Asset Growth (YoY)16.59%7.96%2.66%2.42%9.89%16.78%18.00%11.44%+902 bps
Loan Growth (YoY)16.81%15.50%11.56%9.60%5.68%3.05%5.01%3.36%-624 bps
Deposit Growth (YoY)11.09%7.66%9.89%11.08%15.03%16.25%13.62%4.79%-629 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.02%0.02%0.03%0.03%0.03%+1 bps
Net Charge-Offs / Loans0.01%0.01%0.02%0.67%0.00%-0.01%-0.01%-0.01%-68 bps
Allowance / Loans0.85%0.81%0.81%0.81%0.81%1.01%1.02%1.05%+24 bps
Allowance Coverage of NPLsn/an/an/a36.9x36.8x32.8x34.9x37.0x+0.1x
Capital
Tier 1 Leverage Ratio11.89%12.24%12.81%11.69%9.30%9.79%9.87%10.49%-120 bps
Total Risk-Based Capital11.89%12.24%12.81%11.69%9.30%9.79%9.87%10.49%-120 bps
Equity / Assets11.41%11.74%12.24%11.45%13.96%14.54%14.78%15.86%+441 bps
Liquidity & Funding
Loans / Deposits84.43%88.34%86.27%85.86%77.56%78.31%79.73%84.69%-117 bps
Liquid Assets / Assets10.91%5.83%5.53%8.70%15.50%17.02%16.58%13.51%+481 bps
CRE / Total Capitaln/an/an/an/a104.13%97.21%94.75%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

Bridge Community Bank

Mount Vernon, IA · Cert 12717 · Peer group: banks under $1B in assets in IA (n=134-135) · Orion Bcorp Inc.

State charter, non-member · FDIC · 1 affiliate bank · 3 branches (11 in holding)

Q2 2026

$141.1MAssets
$98.8MLoans
$116.7MDeposits
$22.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IA (rank 45 of 134).
  • Widest gap: total risk-based capital ratio trails 90% of banks under $1B in assets in IA (rank 121 of 135).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.30%

Rank 58 of 135

Net Interest Margin

4.61%

Rank 3 of 135

Efficiency Ratio

63.49%

Rank 103 of 135

Equity / Assets

15.86%

Rank 13 of 135

Non-interest income vs. expense

$0.6M$4.4MINCOMEEXPENSE
Unfavorable gap of $3.8M · efficiency ratio beats 24% of banks under $1B in assets in IA
Bank 63.49%Peer median 57.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.30%0.92%1.19%1.47%Beats 57%58 / 135
Return on Equity8.21%7.99%10.26%13.14%Beats 30%95 / 135
Net Interest Margin4.61%2.95%3.41%3.73%Beats 98%3 / 135
Efficiency Ratio63.49%50.61%57.35%63.29%Beats 24%103 / 135
Asset Quality
Nonperforming Loans / Loans0.03%0.03%0.51%1.26%Beats 76%33 / 134
Net Charge-Offs / Loans0.00%n/a0.01%0.03%Beats 100%45 / 134
Capital
Tier 1 Capital Ratio10.49%11.23%13.31%15.45%Beats 13%118 / 135
Total Risk-Based Capital Ratio10.49%11.61%14.06%16.47%Beats 10%121 / 135
Equity / Assets15.86%9.87%11.05%13.07%Beats 90%13 / 135
Liquidity & Funding
Loans / Deposits84.69%68.54%81.55%91.24%59th pctl55 / 134
Loans / Assets70.04%57.61%68.06%76.23%56th pctl59 / 135
Brokered Deposits / Depositsn/aNot reported for this institution