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Letter portraitLegal landscapeQuarterYTD

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 0.78%, down 36 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • 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 (quarter, annualized)

0.78%-36 bps YoY

Net Interest Margin (quarter, annualized)

3.76%-31 bps YoY

Efficiency Ratio (quarter, annualized)

74.31%+863 bps YoY

Tier 1 Leverage Ratio

13.02%-29 bps YoY

NIM

5.67%Q2 ’245.34%Q2 ’255.04%Q2 ’26-6%-8%

Non-interest income vs. expense

2.69%Q2 ’242.81%Q2 ’252.87%Q2 ’26+20%+6%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.18%0.91%1.36%1.13%0.91%0.63%0.97%0.78%-36 bps
Return on Equity9.14%6.76%10.10%8.52%6.67%4.48%7.25%5.90%-262 bps
Net Interest Margin4.27%4.37%4.10%4.07%4.05%4.02%3.66%3.76%-31 bps
Efficiency Ratio64.10%75.00%59.27%65.68%69.49%81.85%66.91%74.31%+863 bps
Non-Interest Burden2.65%3.21%2.36%2.61%2.74%3.24%2.41%2.77%+16 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-0.13%0.00%0.00%0.03%-0.03%0.00%0.00%0.03%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