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State Bank of Arcadia

Arcadia, WI · Cert 14994

FDIC · 4 branches

Q3 2021

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2021, the quarter ended September 30, 2021, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

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

State Bank of Arcadia

Arcadia, WI · Cert 14994

FDIC · 4 branches

Q3 2021

$210.6MAssets
$87.4MLoans
$190.9MDeposits
$19.5MEquity
Loan mix
88%RE $69.2M9%C&I $7.0M3%Consumer $2.3MQ3 2020Q3 2021
Deposit mix
79%Interest-bearing $150.5M21%Noninterest $40.4MQ3 2020Q3 2021

NIM

3.42%Q3 ’192.76%Q3 ’202.48%Q3 ’21-14%-4%

Non-interest income vs. expense

1.74%Q3 ’191.49%Q3 ’201.47%Q3 ’21-13%-3%

Executive Summary

  • Earnings: ROA of 0.78%, down 8 bps year over year; NIM at 2.14%.
  • Asset quality: problem loans at 0.33% of loans (-39 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 8.19%, down 233 bps from a year ago.
  • Funding: loans stand at 45.80% of deposits as of Q3 2021.

Financial Results

Return on Assets (YTD, annualized)

0.78%-8 bps YoY

Net Interest Margin (YTD, annualized)

2.14%-9 bps YoY

Efficiency Ratio (YTD, annualized)

65.37%+88 bps YoY

Tier 1 Leverage Ratio

8.19%-233 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets0.86%0.79%0.86%0.81%0.78%-8 bps
Return on Equity7.10%6.74%8.02%7.53%7.50%+40 bps
Net Interest Margin2.23%2.12%2.28%2.15%2.14%-9 bps
Efficiency Ratio64.49%65.32%62.88%65.08%65.37%+88 bps
Non-Interest Burden1.38%1.33%1.38%1.35%1.33%-5 bps
Growth
Asset Growth (YoY)12.15%15.95%16.92%7.64%8.23%-393 bps
Loan Growth (YoY)-1.51%-3.59%-3.79%-6.30%-5.79%-428 bps
Deposit Growth (YoY)13.58%18.15%19.42%8.70%11.65%-193 bps
Asset Quality
Nonperforming Loans / Loans0.72%0.69%0.48%0.33%0.33%-39 bps
Net Charge-Offs / Loans-0.01%-0.01%0.00%0.01%0.01%+3 bps
Allowance / Loans1.21%1.24%1.25%1.28%1.27%+6 bps
Allowance Coverage of NPLs1.7x1.8x2.6x3.8x3.8x+2.1x
Capital
Tier 1 Leverage Ratio10.52%9.82%9.77%9.76%8.19%-233 bps
Total Risk-Based Capital26.26%25.59%25.57%27.30%23.19%-307 bps
Equity / Assets11.92%10.79%10.61%10.70%9.28%-265 bps
Liquidity & Funding
Loans / Deposits54.27%48.90%47.91%46.12%45.80%-847 bps
Liquid Assets / Assets37.96%37.98%27.53%24.12%24.70%-1,326 bps
CRE / Total Capitaln/an/an/an/an/an/an/a