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International Bank of Amherst, The

Amherst, WI · Cert 14907

State charter, non-member · FDIC · 1 branch

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

68

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

70

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

86

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

International Bank of Amherst, The

Amherst, WI · Cert 14907

State charter, non-member · FDIC · 1 branch

Q2 2026

$103.6MAssets
$53.5MLoans
$88.9MDeposits
$14.5MEquity
Loan mix
89%RE $39.1M11%C&I $4.8M1%Consumer $0.3MQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $68.7M23%Noninterest $20.3MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.69%, up 3 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.42%, up 23 bps from a year ago.
  • Funding: loans stand at 60.13% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.69%+3 bps YoY

Net Interest Margin (YTD, annualized)

3.85%+7 bps YoY

Efficiency Ratio (YTD, annualized)

46.79%+116 bps YoY

Tier 1 Leverage Ratio

14.42%+23 bps YoY

NIM

4.19%Q2 ’244.68%Q2 ’254.83%Q2 ’26+16%+2%

Non-interest income vs. expense

2.00%Q2 ’241.83%Q2 ’251.91%Q2 ’26-9%+5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.16%1.26%1.67%1.67%1.73%1.69%1.84%1.69%+3 bps
Return on Equity8.84%9.55%12.27%12.20%12.50%12.24%13.20%12.14%-7 bps
Net Interest Margin3.23%3.31%3.71%3.78%3.77%3.79%3.80%3.85%+7 bps
Efficiency Ratio56.76%54.66%44.72%45.63%44.71%46.18%43.16%46.79%+116 bps
Non-Interest Burden1.73%1.71%1.53%1.61%1.57%1.64%1.50%1.68%+8 bps
Growth
Asset Growth (YoY)4.50%1.67%3.17%4.74%-0.67%4.50%2.12%2.90%-184 bps
Loan Growth (YoY)13.50%12.26%10.03%9.20%11.76%8.30%9.18%8.93%-27 bps
Deposit Growth (YoY)4.50%1.10%2.78%4.12%-2.14%4.07%1.59%2.62%-151 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.01%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.85%0.81%0.86%0.81%0.78%0.78%0.80%0.78%-3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio13.45%13.62%13.84%14.19%14.24%14.12%13.99%14.42%+23 bps
Total Risk-Based Capital13.45%13.62%13.84%14.19%14.24%14.12%13.99%14.42%+23 bps
Equity / Assets13.17%13.34%13.84%13.77%14.45%13.67%14.25%13.97%+21 bps
Liquidity & Funding
Loans / Deposits53.39%55.84%56.06%56.65%60.97%58.12%60.25%60.13%+348 bps
Liquid Assets / Assets43.94%40.96%41.24%39.76%37.63%38.07%35.86%33.75%-601 bps
CRE / Total Capitaln/an/an/an/a95.39%97.45%97.05%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

International Bank of Amherst, The

Amherst, WI · Cert 14907 · Peer group: banks under $1B in assets in WI (n=110-113)

State charter, non-member · FDIC · 1 branch

Q2 2026

$103.6MAssets
$53.5MLoans
$88.9MDeposits
$14.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in WI (rank 16 of 110).
  • Widest gap: total risk-based capital ratio trails 42% of banks under $1B in assets in WI (rank 47 of 113).
  • Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

1.68%

Rank 19 of 113

Net Interest Margin

3.85%

Rank 36 of 113

Efficiency Ratio

46.79%

Rank 17 of 113

Equity / Assets

13.97%

Rank 21 of 113

Non-interest income vs. expense

$0.2M$1.9MINCOMEEXPENSE
Unfavorable gap of $1.7M · efficiency ratio beats 86% of banks under $1B in assets in WI
Bank 46.79%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.68%0.85%1.17%1.51%Beats 83%19 / 113
Return on Equity12.01%7.70%10.77%13.67%Beats 60%45 / 113
Net Interest Margin3.85%3.19%3.59%3.89%Beats 68%36 / 113
Efficiency Ratio46.79%54.61%62.43%71.88%Beats 86%17 / 113
Asset Quality
Nonperforming Loans / Loans0.00%0.03%0.24%0.91%Beats 100%16 / 110
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 100%37 / 110
Capital
Tier 1 Capital Ratio14.42%11.22%12.95%15.76%Beats 65%40 / 113
Total Risk-Based Capital Ratio14.42%11.57%13.59%16.73%Beats 58%47 / 113
Equity / Assets13.97%9.17%10.74%13.13%Beats 81%21 / 113
Liquidity & Funding
Loans / Deposits60.13%76.54%86.37%98.93%9th pctl102 / 112
Loans / Assets51.62%63.07%71.33%78.84%8th pctl104 / 113
Brokered Deposits / Depositsn/aNot reported for this institution