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Bank419

Metamora, OH · Cert 16167 · Metamora Bcorp Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

42

Q2 2024Q2 2026peer median (50)

Asset Quality

41

Q2 2024Q2 2026peer median (50)

Profitability

40

Q2 2024Q2 2026peer median (50)

Liquidity

98

Q2 2024Q2 2026peer median

Efficiency

12

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

Bank419

Metamora, OH · Cert 16167 · Metamora Bcorp Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$98.3MAssets
$68.9MLoans
$89.0MDeposits
$8.6MEquity
Loan mix
88%RE $57.4M9%C&I $6.0M2%Consumer $1.5MQ2 2025Q2 2026
Deposit mix
66%Interest-bearing $58.8M34%Noninterest $30.3MQ2 2025Q2 2026

NIM

4.80%Q2 ’244.92%Q2 ’254.99%Q2 ’26+12%+1%

Non-interest income vs. expense

3.57%Q2 ’243.89%Q2 ’253.95%Q2 ’26+9%+1%

Market Position · Toledo, OH · 2026 SOD (annual) · 0.6% share · #16 of 22 inst. · $0.1B of $16.1B

3.3% Fulton
0.4% Lucas

Executive Summary

  • Earnings: ROA of 0.58%, up 10 bps year over year; NIM at 4.19%.
  • Asset quality: problem loans at 1.42% of loans (+136 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.27%, down 4 bps from a year ago.
  • Funding: loans stand at 77.39% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.58%+10 bps YoY

Net Interest Margin (YTD, annualized)

4.19%+3 bps YoY

Efficiency Ratio (YTD, annualized)

84.25%+3 bps YoY

Tier 1 Leverage Ratio

9.27%-4 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.48%0.49%0.50%0.62%0.58%+10 bps
Return on Equity5.87%5.95%5.99%7.34%6.79%+92 bps
Net Interest Margin4.16%4.13%4.07%3.97%4.19%+3 bps
Efficiency Ratio84.22%83.81%84.52%81.70%84.25%+3 bps
Non-Interest Burden3.43%3.39%3.37%3.16%3.45%+2 bps
Growth
Asset Growth (YoY)1.61%-2.57%6.83%6.35%-0.11%-172 bps
Loan Growth (YoY)3.64%1.85%2.82%-0.14%-4.68%-833 bps
Deposit Growth (YoY)0.90%-3.46%7.28%8.20%1.56%+66 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.06%0.20%1.38%1.42%+136 bps
Net Charge-Offs / Loans0.00%0.00%0.00%-0.01%0.01%+1 bps
Allowance / Loans1.19%1.23%1.23%1.25%1.29%+10 bps
Allowance Coverage of NPLs18.7x20.1x6.2x0.9x0.9x-17.7x
Capital
Tier 1 Leverage Ratio9.31%9.27%9.09%9.03%9.27%-4 bps
Total Risk-Based Capital14.24%14.09%14.01%14.39%14.86%+62 bps
Equity / Assets8.14%8.49%8.35%8.55%8.76%+61 bps
Liquidity & Funding
Loans / Deposits82.46%83.09%80.77%79.62%77.39%-507 bps
Liquid Assets / Assets0.10%0.10%0.10%0.10%0.10%0 bps
CRE / Total Capitaln/a176.21%172.31%167.12%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

Bank419

Metamora, OH · Cert 16167 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Metamora Bcorp Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$98.3MAssets
$68.9MLoans
$89.0MDeposits
$8.6MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 77% of banks under $1B in assets operating in a single state (rank 173 of 746).
  • Widest gap: efficiency ratio trails 88% of banks under $1B in assets operating in a single state (rank 655 of 746).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.59%

Rank 612 of 746

Net Interest Margin

4.19%

Rank 173 of 746

Efficiency Ratio

84.25%

Rank 655 of 746

Equity / Assets

8.76%

Rank 577 of 746

Non-interest income vs. expense

$0.5M$3.9MINCOMEEXPENSE
Unfavorable gap of $3.4M · efficiency ratio beats 12% of banks under $1B in assets operating in a single state
Bank 84.25%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.59%0.72%1.06%1.45%Beats 18%612 / 746
Return on Equity6.74%6.74%10.51%13.63%Beats 25%561 / 746
Net Interest Margin4.19%3.17%3.68%4.16%Beats 77%173 / 746
Efficiency Ratio84.25%55.74%64.58%75.47%Beats 12%655 / 746
Asset Quality
Nonperforming Loans / Loans1.42%0.09%0.42%1.07%Beats 18%611 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 64%274 / 743
Capital
Tier 1 Capital Ratio13.61%11.55%13.75%17.60%Beats 48%385 / 746
Total Risk-Based Capital Ratio14.86%11.71%14.33%18.43%Beats 55%339 / 746
Equity / Assets8.76%8.90%10.51%13.06%Beats 23%577 / 746
Liquidity & Funding
Loans / Deposits77.39%61.31%78.27%90.78%49th pctl382 / 746
Loans / Assets70.06%53.60%66.97%76.08%58th pctl317 / 746
Brokered Deposits / Depositsn/aNot reported for this institution