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Richland County Bank

Richland Center, WI · Cert 15092 · Richland County Bancshares Inc.

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

83

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

37

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

52

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

Richland County Bank

Richland Center, WI · Cert 15092 · Richland County Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$114.1MAssets
$49.9MLoans
$96.0MDeposits
$17.8MEquity
Loan mix
85%RE $37.6M10%C&I $4.5M5%Consumer $2.1MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $69.5M28%Noninterest $26.5MQ2 2025Q2 2026

NIM

3.84%Q2 ’243.84%Q2 ’253.97%Q2 ’26+5%+7%

Non-interest income vs. expense

2.35%Q2 ’242.31%Q2 ’252.26%Q2 ’26-3%-5%

Executive Summary

  • Earnings: ROA of 1.22%, up 28 bps year over year; NIM at 3.26%.
  • 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 17.77%, up 3 bps from a year ago.
  • Funding: loans stand at 51.93% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.22%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.26%+20 bps YoY

Efficiency Ratio (YTD, annualized)

61.71%-585 bps YoY

Tier 1 Leverage Ratio

17.77%+3 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.94%0.97%1.00%1.18%1.22%+28 bps
Return on Equity6.75%6.77%6.86%7.57%7.82%+107 bps
Net Interest Margin3.06%3.10%3.17%3.26%3.26%+20 bps
Efficiency Ratio67.55%66.99%65.32%64.10%61.71%-585 bps
Non-Interest Burden1.95%1.95%1.93%1.96%1.86%-9 bps
Growth
Asset Growth (YoY)1.70%0.48%-0.59%1.90%4.93%+324 bps
Loan Growth (YoY)4.91%5.78%4.96%7.25%7.58%+268 bps
Deposit Growth (YoY)-0.52%-0.64%-3.48%-0.22%4.10%+462 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%0.01%0.15%-0.01%0.00%-2 bps
Allowance / Loans1.47%1.43%1.36%1.32%1.28%-19 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio17.74%17.81%18.26%18.01%17.77%+3 bps
Total Risk-Based Capital17.74%17.81%18.26%18.01%17.77%+3 bps
Equity / Assets14.91%15.70%15.89%15.21%15.59%+68 bps
Liquidity & Funding
Loans / Deposits50.25%52.71%50.77%50.44%51.93%+168 bps
Liquid Assets / Assets4.36%2.16%4.60%6.44%3.06%-131 bps
CRE / Total Capitaln/a89.65%87.71%86.82%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

Richland County Bank

Richland Center, WI · Cert 15092 · Peer group: banks under $1B in assets in WI (n=110-113) · Richland County Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$114.1MAssets
$49.9MLoans
$96.0MDeposits
$17.8MEquity

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 75% of banks under $1B in assets in WI (rank 85 of 113).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.20%

Rank 52 of 113

Net Interest Margin

3.26%

Rank 78 of 113

Efficiency Ratio

61.71%

Rank 55 of 113

Equity / Assets

15.59%

Rank 14 of 113

Non-interest income vs. expense

$0.5M$2.7MINCOMEEXPENSE
Unfavorable gap of $2.2M · efficiency ratio beats 52% of banks under $1B in assets in WI
Bank 61.71%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.20%0.85%1.17%1.51%Beats 54%52 / 113
Return on Equity7.70%7.70%10.77%13.67%Beats 25%85 / 113
Net Interest Margin3.26%3.19%3.59%3.89%Beats 31%78 / 113
Efficiency Ratio61.71%54.61%62.43%71.88%Beats 52%55 / 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 Ratio17.77%11.22%12.95%15.76%Beats 81%22 / 113
Total Risk-Based Capital Ratio17.77%11.57%13.59%16.73%Beats 79%24 / 113
Equity / Assets15.59%9.17%10.74%13.13%Beats 88%14 / 113
Liquidity & Funding
Loans / Deposits51.93%76.54%86.37%98.93%4th pctl107 / 112
Loans / Assets43.70%63.07%71.33%78.84%5th pctl107 / 113
Brokered Deposits / Depositsn/aNot reported for this institution