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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 $4.1MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $88.1M24%Noninterest $28.6MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.06%-0.14%0.66%1.30%1.26%+20 bps
Return on Equity8.94%-1.17%5.09%8.83%8.37%-56 bps
Net Interest Margin3.58%1.54%2.35%4.61%4.61%+104 bps
Efficiency Ratio55.70%36.42%42.27%43.30%44.72%-1,098 bps
Non-Interest Burden1.72%0.73%1.25%2.56%2.61%+89 bps
Growth
Asset Growth (YoY)2.42%9.89%16.78%18.00%11.44%+902 bps
Loan Growth (YoY)9.60%5.68%3.05%5.01%3.36%-624 bps
Deposit Growth (YoY)11.08%15.03%16.25%13.62%4.79%-629 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.02%0.03%0.03%0.03%+1 bps
Net Charge-Offs / Loans0.67%0.00%-0.01%-0.01%-0.01%-68 bps
Allowance / Loans0.81%0.81%1.01%1.02%1.05%+24 bps
Allowance Coverage of NPLs36.9x36.8x32.8x34.9x37.0x+0.1x
Capital
Tier 1 Leverage Ratio11.69%9.30%9.79%9.87%10.49%-120 bps
Total Risk-Based Capital11.69%9.30%9.79%9.87%10.49%-120 bps
Equity / Assets11.45%13.96%14.54%14.78%15.86%+441 bps
Liquidity & Funding
Loans / Deposits85.86%77.56%78.31%79.73%84.69%-117 bps
Liquid Assets / Assets8.70%15.50%17.02%16.58%13.51%+481 bps
CRE / Total Capitaln/a104.13%97.21%94.75%n/an/a