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Baraboo State Bank

Baraboo, WI · Cert 12788 · Baraboo Bcorp Inc. the

State charter, Fed member · FED · 7 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

76

Q2 2024Q2 2026peer median (50)

Asset Quality

61

Q2 2024Q2 2026peer median (50)

Profitability

46

Q2 2024Q2 2026peer median (50)

Liquidity

2

Q2 2024Q2 2026peer median

Efficiency

57

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

Baraboo State Bank

Baraboo, WI · Cert 12788 · Baraboo Bcorp Inc. the

State charter, Fed member · FED · 7 branches

Q2 2026

$569.6MAssets
$302.3MLoans
$490.4MDeposits
$65.9MEquity
Loan mix
96%RE $282.7M3%C&I $9.3M1%Consumer $3.7MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $382.3M22%Noninterest $108.0MQ2 2025Q2 2026

NIM

4.66%Q2 ’244.84%Q2 ’254.96%Q2 ’260%+6%

Non-interest income vs. expense

2.59%Q2 ’242.31%Q2 ’252.38%Q2 ’26-14%+6%

Market Position · Madison, WI · 2026 SOD (annual) · 0.2% share · #35 of 41 inst. · $0.1B of $30.1B

17.9% Sauk
2.7% Columbia

Executive Summary

  • Earnings: ROA of 1.19%, up 5 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 0.01% of loans (-1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.70%, up 33 bps from a year ago.
  • Funding: loans stand at 61.65% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.19%+5 bps YoY

Net Interest Margin (YTD, annualized)

3.38%+20 bps YoY

Efficiency Ratio (YTD, annualized)

60.67%-73 bps YoY

Tier 1 Leverage Ratio

11.70%+33 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.14%1.08%0.97%1.23%1.19%+5 bps
Return on Equity10.35%9.81%8.81%11.14%10.63%+27 bps
Net Interest Margin3.18%3.19%3.06%3.26%3.38%+20 bps
Efficiency Ratio61.40%63.90%65.51%58.74%60.67%-73 bps
Non-Interest Burden1.73%1.83%1.82%1.70%1.83%+11 bps
Growth
Asset Growth (YoY)9.34%7.82%6.90%6.15%5.69%-365 bps
Loan Growth (YoY)4.87%7.53%12.70%13.13%10.99%+612 bps
Deposit Growth (YoY)8.78%9.65%8.07%6.14%5.57%-321 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.02%0.02%0.02%0.01%-1 bps
Net Charge-Offs / Loans-0.02%-0.06%-0.05%0.01%0.00%+2 bps
Allowance / Loans1.98%1.90%1.79%1.83%1.82%-16 bps
Allowance Coverage of NPLs84.3x84.4x90.3x90.3x196.5x+112.3x
Capital
Tier 1 Leverage Ratio11.38%11.29%10.86%11.15%11.70%+33 bps
Total Risk-Based Capital20.20%20.27%19.67%20.17%20.91%+71 bps
Equity / Assets11.37%10.94%10.85%11.25%11.56%+19 bps
Liquidity & Funding
Loans / Deposits58.64%57.47%59.24%60.61%61.65%+301 bps
Liquid Assets / Assets30.50%31.98%31.12%27.90%27.00%-351 bps
CRE / Total Capitaln/a335%350%346%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

Baraboo State Bank

Baraboo, WI · Cert 12788 · Peer group: banks under $1B in assets in WI (n=110-113) · Baraboo Bcorp Inc. the

State charter, Fed member · FED · 7 branches

Q2 2026

$569.6MAssets
$302.3MLoans
$490.4MDeposits
$65.9MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 83% of banks under $1B in assets in WI (rank 19 of 113).
  • Widest gap: net interest margin trails 63% of banks under $1B in assets in WI (rank 71 of 113).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.21%

Rank 51 of 113

Net Interest Margin

3.38%

Rank 71 of 113

Efficiency Ratio

60.67%

Rank 50 of 113

Equity / Assets

11.56%

Rank 44 of 113

Non-interest income vs. expense

$3.1M$13.5MINCOMEEXPENSE
Unfavorable gap of $10.4M · efficiency ratio beats 57% of banks under $1B in assets in WI
Bank 60.67%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.21%0.85%1.17%1.51%Beats 55%51 / 113
Return on Equity10.45%7.70%10.77%13.67%Beats 45%62 / 113
Net Interest Margin3.38%3.19%3.59%3.89%Beats 37%71 / 113
Efficiency Ratio60.67%54.61%62.43%71.88%Beats 57%50 / 113
Asset Quality
Nonperforming Loans / Loans0.01%0.03%0.24%0.91%Beats 80%23 / 110
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 42%67 / 110
Capital
Tier 1 Capital Ratio19.66%11.22%12.95%15.76%Beats 83%19 / 113
Total Risk-Based Capital Ratio20.91%11.57%13.59%16.73%Beats 83%19 / 113
Equity / Assets11.56%9.17%10.74%13.13%Beats 61%44 / 113
Liquidity & Funding
Loans / Deposits61.65%76.54%86.37%98.93%12th pctl99 / 112
Loans / Assets53.08%63.07%71.33%78.84%12th pctl100 / 113
Brokered Deposits / Depositsn/aNot reported for this institution