PackageTrendsPeer
Letter portraitLegal landscape

Bank of Kaukauna, The

Kaukauna, WI · Cert 15228 · Brogan Bankshares 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

19

Q2 2024Q2 2026peer median (50)

Asset Quality

57

Q2 2024Q2 2026peer median (50)

Profitability

61

Q2 2024Q2 2026peer median (50)

Liquidity

100

Q2 2024Q2 2026peer median

Efficiency

18

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

Bank of Kaukauna, The

Kaukauna, WI · Cert 15228 · Brogan Bankshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$176.3MAssets
$132.1MLoans
$152.9MDeposits
$14.3MEquity
Loan mix
77%RE $97.7M23%C&I $28.7M0%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $111.4M27%Noninterest $41.5MQ2 2025Q2 2026

NIM

5.11%Q2 ’245.26%Q2 ’255.28%Q2 ’26+3%+10%

Non-interest income vs. expense

4.27%Q2 ’244.14%Q2 ’254.50%Q2 ’26-11%+21%

Market Position · Appleton, WI · 2026 SOD (annual) · 3.0% share · #12 of 23 inst. · $0.2B of $5.1B

Executive Summary

  • Earnings: ROA of 1.11%, up 1 bps year over year; NIM at 3.83%.
  • Asset quality: problem loans at 0.00% of loans (-9 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 8.90%, up 32 bps from a year ago.
  • Funding: loans stand at 86.37% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.11%+1 bps YoY

Net Interest Margin (YTD, annualized)

3.83%+35 bps YoY

Efficiency Ratio (YTD, annualized)

74.96%+252 bps YoY

Tier 1 Leverage Ratio

8.90%+32 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.10%1.10%1.10%0.95%1.11%+1 bps
Return on Equity14.54%14.45%14.56%12.09%13.92%-62 bps
Net Interest Margin3.47%3.46%3.43%3.66%3.83%+35 bps
Efficiency Ratio72.44%73.78%73.85%78.14%74.96%+252 bps
Non-Interest Burden1.94%2.04%2.04%2.47%2.35%+41 bps
Growth
Asset Growth (YoY)14.58%12.57%13.39%-1.99%6.80%-778 bps
Loan Growth (YoY)6.76%0.64%4.71%7.10%12.03%+527 bps
Deposit Growth (YoY)9.81%8.23%9.37%-3.03%6.82%-299 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.00%0.00%0.00%0.00%-9 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.07%0.06%+6 bps
Allowance / Loans1.22%1.23%1.17%1.14%1.10%-12 bps
Allowance Coverage of NPLs13.3xn/an/an/an/an/a
Capital
Tier 1 Leverage Ratio8.58%8.47%8.38%8.49%8.90%+32 bps
Total Risk-Based Capital12.37%12.40%11.53%12.22%11.75%-62 bps
Equity / Assets7.88%7.70%7.39%8.36%8.13%+25 bps
Liquidity & Funding
Loans / Deposits82.36%76.93%74.67%87.68%86.37%+402 bps
Liquid Assets / Assets4.41%7.53%7.44%4.82%4.72%+32 bps
CRE / Total Capitaln/a419%442%455%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

Bank of Kaukauna, The

Kaukauna, WI · Cert 15228 · Peer group: banks under $1B in assets in WI (n=110-113) · Brogan Bankshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$176.3MAssets
$132.1MLoans
$152.9MDeposits
$14.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in WI (rank 16 of 110).
  • Widest gap: equity / assets trails 88% of banks under $1B in assets in WI (rank 100 of 113).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.11%

Rank 64 of 113

Net Interest Margin

3.83%

Rank 38 of 113

Efficiency Ratio

75.30%

Rank 94 of 113

Equity / Assets

8.13%

Rank 100 of 113

Non-interest income vs. expense

$3.8M$7.9MINCOMEEXPENSE
Unfavorable gap of $4.1M · efficiency ratio beats 18% of banks under $1B in assets in WI
Bank 75.30%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.11%0.85%1.17%1.51%Beats 43%64 / 113
Return on Equity13.67%7.70%10.77%13.67%Beats 74%29 / 113
Net Interest Margin3.83%3.19%3.59%3.89%Beats 66%38 / 113
Efficiency Ratio75.30%54.61%62.43%71.88%Beats 18%94 / 113
Asset Quality
Nonperforming Loans / Loans0.00%0.03%0.24%0.91%Beats 100%16 / 110
Net Charge-Offs / Loans0.03%n/a0.00%0.01%Beats 14%96 / 110
Capital
Tier 1 Capital Ratio10.70%11.22%12.95%15.76%Beats 19%92 / 113
Total Risk-Based Capital Ratio11.75%11.57%13.59%16.73%Beats 27%82 / 113
Equity / Assets8.13%9.17%10.74%13.13%Beats 12%100 / 113
Liquidity & Funding
Loans / Deposits86.37%76.54%86.37%98.93%50th pctl56 / 112
Loans / Assets74.92%63.07%71.33%78.84%60th pctl45 / 113
Brokered Deposits / Depositsn/aNot reported for this institution