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Antwerp Exchange Bank Company, The

Antwerp, OH · Cert 14523 · Diamond Bancshares 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 operating regionally3

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 operating regionally (n=94). 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

12

Q2 2024Q2 2026peer median (50)

Asset Quality

43

Q2 2024Q2 2026peer median (50)

Profitability

22

Q2 2024Q2 2026peer median (50)

Liquidity

59

Q2 2024Q2 2026peer median

Efficiency

12

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

Antwerp Exchange Bank Company, The

Antwerp, OH · Cert 14523 · Diamond Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$161.3MAssets
$111.3MLoans
$148.2MDeposits
$12.7MEquity
Loan mix
87%RE $94.6M10%C&I $11.0M3%Consumer $3.1MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $111.2M25%Noninterest $36.9MQ2 2025Q2 2026

NIM

4.67%Q2 ’244.92%Q2 ’254.89%Q2 ’26+9%+7%

Non-interest income vs. expense

2.90%Q2 ’243.09%Q2 ’253.55%Q2 ’26+8%+13%

Market Position · Fort Wayne, IN · 2026 SOD (annual) · 0.2% share · #24 of 26 inst. · $0.0B of $11.1B

25.8% Paulding
0.2% Allen

Executive Summary

  • Earnings: ROA of 0.36%, down 9 bps year over year; NIM at 3.64%.
  • Asset quality: problem loans at 0.70% of loans (-9 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 9.72%, down 3 bps from a year ago.
  • Funding: loans stand at 75.08% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.36%-9 bps YoY

Net Interest Margin (YTD, annualized)

3.64%+23 bps YoY

Efficiency Ratio (YTD, annualized)

86.86%+444 bps YoY

Tier 1 Leverage Ratio

9.72%-3 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.45%0.57%0.51%0.41%0.36%-9 bps
Return on Equity6.08%7.55%6.61%5.20%4.48%-159 bps
Net Interest Margin3.41%3.40%3.36%3.47%3.64%+23 bps
Efficiency Ratio82.42%79.29%81.71%85.11%86.86%+444 bps
Non-Interest Burden2.75%2.62%2.68%2.88%3.10%+35 bps
Growth
Asset Growth (YoY)2.36%1.71%4.18%3.74%4.62%+225 bps
Loan Growth (YoY)1.22%-1.85%-1.17%-1.74%-2.07%-329 bps
Deposit Growth (YoY)3.65%2.26%4.41%3.15%4.45%+80 bps
Asset Quality
Nonperforming Loans / Loans0.79%0.48%0.97%0.60%0.70%-9 bps
Net Charge-Offs / Loans0.22%0.11%0.09%-0.02%0.03%-19 bps
Allowance / Loans0.76%0.84%0.84%0.87%0.87%+11 bps
Allowance Coverage of NPLs1.0x1.8x0.9x1.4x1.3x+0.3x
Capital
Tier 1 Leverage Ratio9.75%10.01%9.69%9.67%9.72%-3 bps
Total Risk-Based Capital14.92%15.72%15.27%14.77%9.72%-520 bps
Equity / Assets7.65%8.08%8.06%7.88%7.88%+23 bps
Liquidity & Funding
Loans / Deposits80.08%77.22%76.84%75.31%75.08%-500 bps
Liquid Assets / Assets0.18%0.96%0.95%0.94%0.19%+1 bps
CRE / Total Capitaln/a130.94%127.58%100.64%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

Antwerp Exchange Bank Company, The

Antwerp, OH · Cert 14523 · Peer group: banks under $1B in assets operating regionally (n=94) · Diamond Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$161.3MAssets
$111.3MLoans
$148.2MDeposits
$12.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 47% of banks under $1B in assets operating regionally (rank 51 of 94).
  • Widest gap: equity / assets trails 89% of banks under $1B in assets operating regionally (rank 84 of 94).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.35%

Rank 81 of 94

Net Interest Margin

3.64%

Rank 58 of 94

Efficiency Ratio

86.86%

Rank 84 of 94

Equity / Assets

7.88%

Rank 84 of 94

Non-interest income vs. expense

$0.7M$5.7MINCOMEEXPENSE
Unfavorable gap of $5.0M · efficiency ratio beats 12% of banks under $1B in assets operating regionally
Bank 86.86%Peer median 62.4%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.35%0.82%1.19%1.46%Beats 14%81 / 94
Return on Equity4.50%7.85%11.84%14.03%Beats 14%81 / 94
Net Interest Margin3.64%3.42%3.81%4.18%Beats 38%58 / 94
Efficiency Ratio86.86%55.99%62.41%73.02%Beats 12%84 / 94
Asset Quality
Nonperforming Loans / Loans0.70%0.19%0.47%1.14%Beats 39%58 / 94
Net Charge-Offs / Loans0.02%0.00%0.02%0.05%Beats 47%51 / 94
Capital
Tier 1 Capital Ratio9.72%10.28%11.95%15.07%Beats 13%82 / 94
Total Risk-Based Capital Ratio9.72%10.31%12.59%15.88%Beats 11%84 / 94
Equity / Assets7.88%8.98%10.21%11.41%Beats 11%84 / 94
Liquidity & Funding
Loans / Deposits75.08%72.62%84.44%94.55%30th pctl66 / 94
Loans / Assets68.97%62.50%72.84%78.99%38th pctl58 / 94
Brokered Deposits / Depositsn/aNot reported for this institution