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Premier Community Bank

Marion, WI · Cert 15799 · M S B Bcorp Inc.

State charter, non-member · FDIC · 10 branches

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

27

Q2 2024Q2 2026peer median (50)

Asset Quality

36

Q2 2024Q2 2026peer median (50)

Profitability

26

Q2 2024Q2 2026peer median (50)

Liquidity

79

Q2 2024Q2 2026peer median

Efficiency

13

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

Premier Community Bank

Marion, WI · Cert 15799 · M S B Bcorp Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$552.1MAssets
$394.9MLoans
$486.6MDeposits
$42.4MEquity
Loan mix
93%RE $340.8M5%C&I $20.0M2%Consumer $6.1MQ3 2024Q2 2026
Deposit mix
88%Interest-bearing $429.8M12%Noninterest $56.8MQ3 2024Q2 2026

Market Position · Green Bay, WI · 2026 SOD (annual) · 0.5% share · #16 of 20 inst. · $0.1B of $14.9B

25.3% Waupaca
14.6% Shawano
0.5% Brown
1.3% Winnebago

Executive Summary

  • Earnings: ROA of 0.57%, up 6 bps year over year; NIM at 3.42%.
  • Asset quality: problem loans at 0.85% of loans (+85 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.54%, up 27 bps from a year ago.
  • Funding: loans stand at 81.15% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.57%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.42%+34 bps YoY

Efficiency Ratio (YTD, annualized)

80.05%-298 bps YoY

Tier 1 Leverage Ratio

8.54%+27 bps YoY

NIM

4.68%Q2 ’244.90%Q2 ’255.05%Q2 ’26+4%+11%

Non-interest income vs. expense

2.95%Q2 ’243.03%Q2 ’253.19%Q2 ’26+3%+7%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.56%0.63%0.52%0.51%0.54%0.56%0.56%0.57%+6 bps
Return on Equity8.43%9.57%7.58%7.38%7.54%7.79%7.56%7.62%+24 bps
Net Interest Margin2.88%3.03%2.99%3.08%3.19%3.25%3.37%3.42%+34 bps
Efficiency Ratio81.51%77.93%83.36%83.03%82.47%82.08%81.66%80.05%-298 bps
Non-Interest Burden2.24%2.22%2.38%2.45%2.52%2.53%2.64%2.62%+17 bps
Growth
Asset Growth (YoY)9.50%9.80%6.36%4.39%-0.33%2.84%3.80%2.95%-145 bps
Loan Growth (YoY)5.52%8.13%8.20%8.37%5.65%2.35%5.19%2.49%-588 bps
Deposit Growth (YoY)11.55%16.32%10.97%6.09%-0.14%2.78%2.04%1.65%-444 bps
Asset Quality
Nonperforming Loans / Loans0.19%0.00%0.00%0.00%0.00%0.00%0.00%0.85%+85 bps
Net Charge-Offs / Loans0.03%0.03%0.01%0.00%0.00%0.00%0.00%0.00%+1 bps
Allowance / Loans1.09%1.06%1.04%1.04%1.06%1.18%1.15%1.21%+17 bps
Allowance Coverage of NPLs5.8xn/an/an/a813.8x4444.0x322.7x1.4xn/a
Capital
Tier 1 Leverage Ratio8.41%8.33%8.28%8.28%8.53%8.62%8.45%8.54%+27 bps
Total Risk-Based Capital12.73%12.55%12.47%12.43%12.90%13.21%12.86%13.09%+66 bps
Equity / Assets6.86%6.69%6.94%7.25%7.56%7.51%7.42%7.67%+42 bps
Liquidity & Funding
Loans / Deposits77.38%78.41%77.17%80.49%81.87%78.09%79.55%81.15%+66 bps
Liquid Assets / Assets4.05%1.63%1.87%2.73%1.66%3.32%1.83%2.17%-56 bps
CRE / Total Capitaln/an/an/an/a339%316%351%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

Premier Community Bank

Marion, WI · Cert 15799 · Peer group: banks under $1B in assets in WI (n=110-113) · M S B Bcorp Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$552.1MAssets
$394.9MLoans
$486.6MDeposits
$42.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 43% of banks under $1B in assets in WI (rank 64 of 110).
  • Widest gap: equity / assets trails 93% of banks under $1B in assets in WI (rank 105 of 113).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.58%

Rank 98 of 113

Net Interest Margin

3.42%

Rank 68 of 113

Efficiency Ratio

80.05%

Rank 99 of 113

Equity / Assets

7.67%

Rank 105 of 113

Non-interest income vs. expense

$3.2M$18.2MINCOMEEXPENSE
Unfavorable gap of $14.9M · efficiency ratio beats 13% of banks under $1B in assets in WI
Bank 80.05%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.58%0.85%1.17%1.51%Beats 13%98 / 113
Return on Equity7.53%7.70%10.77%13.67%Beats 24%86 / 113
Net Interest Margin3.42%3.19%3.59%3.89%Beats 40%68 / 113
Efficiency Ratio80.05%54.61%62.43%71.88%Beats 13%99 / 113
Asset Quality
Nonperforming Loans / Loans0.85%0.03%0.24%0.91%Beats 28%80 / 110
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 43%64 / 110
Capital
Tier 1 Capital Ratio11.90%11.22%12.95%15.76%Beats 33%76 / 113
Total Risk-Based Capital Ratio13.09%11.57%13.59%16.73%Beats 42%66 / 113
Equity / Assets7.67%9.17%10.74%13.13%Beats 7%105 / 113
Liquidity & Funding
Loans / Deposits81.15%76.54%86.37%98.93%38th pctl69 / 112
Loans / Assets71.52%63.07%71.33%78.84%50th pctl56 / 113
Brokered Deposits / Depositsn/aNot reported for this institution