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First National Bank in Tigerton

Tigerton, WI · Cert 14400 · Tigerton Bcorp Inc.

National charter · OCC · 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

56

Q2 2024Q2 2026peer median (50)

Asset Quality

64

Q2 2024Q2 2026peer median (50)

Profitability

34

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

28

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

First National Bank in Tigerton

Tigerton, WI · Cert 14400 · Tigerton Bcorp Inc.

National charter · OCC · 2 branches

Q2 2026

$29.3MAssets
$13.2MLoans
$25.3MDeposits
$3.9MEquity
Loan mix
91%RE $11.8M1%C&I $0.1M8%Consumer $1.1MQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $19.2M24%Noninterest $6.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.88%, down 37 bps year over year; NIM at 3.67%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 13.02%, down 29 bps from a year ago.
  • Funding: loans stand at 52.31% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.88%-37 bps YoY

Net Interest Margin (YTD, annualized)

3.67%-41 bps YoY

Efficiency Ratio (YTD, annualized)

70.69%+821 bps YoY

Tier 1 Leverage Ratio

13.02%-29 bps YoY

NIM

5.50%Q2 ’245.29%Q2 ’254.91%Q2 ’26-4%-10%

Non-interest income vs. expense

2.64%Q2 ’242.66%Q2 ’252.67%Q2 ’26+6%+3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.39%1.27%1.36%1.25%1.14%1.02%0.97%0.88%-37 bps
Return on Equity10.64%9.66%10.10%9.35%8.44%7.46%7.25%6.60%-275 bps
Net Interest Margin4.28%4.32%4.10%4.08%4.15%4.06%3.66%3.67%-41 bps
Efficiency Ratio60.17%63.91%59.27%62.48%64.78%69.08%66.91%70.69%+821 bps
Non-Interest Burden2.47%2.66%2.36%2.48%2.62%2.74%2.41%2.56%+8 bps
Growth
Asset Growth (YoY)1.73%1.66%2.15%-1.32%-0.85%1.21%4.29%3.05%+437 bps
Loan Growth (YoY)9.57%8.91%9.89%5.39%4.60%6.83%6.64%3.15%-225 bps
Deposit Growth (YoY)1.41%1.36%1.82%-2.20%-1.48%1.03%4.69%3.10%+529 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.01%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.04%-0.03%0.00%0.02%0.00%0.00%0.00%0.02%0 bps
Allowance / Loans0.74%0.74%0.75%0.72%0.78%0.76%0.77%0.76%+5 bps
Allowance Coverage of NPLsn/an/a93.0xn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio13.36%13.65%13.77%13.32%13.98%13.91%13.68%13.02%-29 bps
Total Risk-Based Capital13.36%13.65%13.77%13.32%13.98%13.91%13.68%13.02%-29 bps
Equity / Assets13.41%13.58%13.29%13.31%14.06%13.87%13.06%13.26%-5 bps
Liquidity & Funding
Loans / Deposits52.41%52.56%49.02%52.29%55.64%55.58%49.93%52.31%+2 bps
Liquid Assets / Assets48.42%45.68%50.62%44.62%46.12%44.30%50.83%49.72%+510 bps
CRE / Total Capitaln/an/an/an/a34.00%37.19%33.13%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

First National Bank in Tigerton

Tigerton, WI · Cert 14400 · Peer group: banks under $1B in assets in WI (n=110-113) · Tigerton Bcorp Inc.

National charter · OCC · 2 branches

Q2 2026

$29.3MAssets
$13.2MLoans
$25.3MDeposits
$3.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in WI (rank 16 of 110).
  • Widest gap: return on equity trails 81% of banks under $1B in assets in WI (rank 92 of 113).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.89%

Rank 84 of 113

Net Interest Margin

3.67%

Rank 50 of 113

Efficiency Ratio

70.69%

Rank 82 of 113

Equity / Assets

13.26%

Rank 28 of 113

Non-interest income vs. expense

$32K$796KINCOMEEXPENSE
Unfavorable gap of $764K · efficiency ratio beats 28% of banks under $1B in assets in WI
Bank 70.69%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.89%0.85%1.17%1.51%Beats 26%84 / 113
Return on Equity6.68%7.70%10.77%13.67%Beats 19%92 / 113
Net Interest Margin3.67%3.19%3.59%3.89%Beats 56%50 / 113
Efficiency Ratio70.69%54.61%62.43%71.88%Beats 28%82 / 113
Asset Quality
Nonperforming Loans / Loans0.00%0.03%0.24%0.91%Beats 100%16 / 110
Net Charge-Offs / Loans0.01%n/a0.00%0.01%Beats 27%81 / 110
Capital
Tier 1 Capital Ratio13.02%11.22%12.95%15.76%Beats 52%54 / 113
Total Risk-Based Capital Ratio13.02%11.57%13.59%16.73%Beats 40%68 / 113
Equity / Assets13.26%9.17%10.74%13.13%Beats 75%28 / 113
Liquidity & Funding
Loans / Deposits52.31%76.54%86.37%98.93%5th pctl106 / 112
Loans / Assets45.26%63.07%71.33%78.84%6th pctl106 / 113
Brokered Deposits / Depositsn/aNot reported for this institution