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Bank of Wolcott

Wolcott, IN · Cert 16201 · Wolcott Bcorp

State charter, non-member · FDIC · 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=748 to 752). 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

36

Q2 2024Q2 2026peer median (50)

Asset Quality

60

Q2 2024Q2 2026peer median (50)

Profitability

52

Q2 2024Q2 2026peer median (50)

Liquidity

45

Q2 2024Q2 2026peer median

Efficiency

83

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 2026-10-10

Bank of Wolcott

Wolcott, IN · Cert 16201 · Wolcott Bcorp

State charter, non-member · FDIC · 3 branches

Q2 2026

$280.3MAssets
$143.4MLoans
$234.2MDeposits
$29.5MEquity
Loan mix
85%RE $107.5M14%C&I $17.9M1%Consumer $1.1MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $188.0M20%Noninterest $46.2MQ2 2025Q2 2026

NIM

4.55%Q2 ’244.71%Q2 ’254.72%Q2 ’26+6%-2%

Non-interest income vs. expense

1.82%Q2 ’241.89%Q2 ’251.72%Q2 ’26+6%-7%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #135 of 147 inst. · $0.0B of $630.7B

17.2% White
4.1% Jasper

Executive Summary

  • Earnings: ROA of 1.32%, up 8 bps year over year; NIM at 3.10%.
  • Asset quality: problem loans at 0.43% of loans (+20 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.01%, down 33 bps from a year ago.
  • Funding: loans stand at 61.22% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.32%+8 bps YoY

Net Interest Margin (YTD, annualized)

3.10%-7 bps YoY

Efficiency Ratio (YTD, annualized)

51.54%-316 bps YoY

Tier 1 Leverage Ratio

12.01%-33 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.24%1.31%1.30%1.21%1.32%+8 bps
Return on Equity14.06%14.40%13.90%11.71%12.74%-131 bps
Net Interest Margin3.17%3.10%3.02%3.11%3.10%-7 bps
Efficiency Ratio54.70%52.30%52.10%53.67%51.54%-316 bps
Non-Interest Burden1.60%1.48%1.43%1.56%1.49%-11 bps
Growth
Asset Growth (YoY)9.54%10.61%11.73%14.31%6.03%-351 bps
Loan Growth (YoY)6.26%6.54%7.02%6.04%3.55%-271 bps
Deposit Growth (YoY)7.60%7.10%10.56%8.66%3.92%-368 bps
Asset Quality
Nonperforming Loans / Loans0.23%0.47%0.44%0.50%0.43%+20 bps
Net Charge-Offs / Loans0.00%-0.01%0.00%0.00%0.00%0 bps
Allowance / Loans1.67%1.66%1.57%1.61%1.61%-6 bps
Allowance Coverage of NPLs7.4x3.5x3.6x3.2x3.8x-3.6x
Capital
Tier 1 Leverage Ratio12.34%12.26%12.00%12.16%12.01%-33 bps
Total Risk-Based Capital12.34%12.26%12.00%12.16%12.01%-33 bps
Equity / Assets8.58%9.91%10.28%10.38%10.53%+195 bps
Liquidity & Funding
Loans / Deposits61.44%63.01%64.30%61.42%61.22%-22 bps
Liquid Assets / Assets1.07%1.11%0.94%0.95%0.83%-24 bps
CRE / Total Capitaln/a112.04%109.16%104.41%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 2026-10-10

Bank of Wolcott

Wolcott, IN · Cert 16201 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · Wolcott Bcorp

State charter, non-member · FDIC · 3 branches

Q2 2026

$280.3MAssets
$143.4MLoans
$234.2MDeposits
$29.5MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 83% of banks under $1B in assets operating in a single state (rank 131 of 752).
  • Widest gap: net interest margin trails 79% of banks under $1B in assets operating in a single state (rank 591 of 752).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.31%

Rank 246 of 752

Net Interest Margin

3.10%

Rank 591 of 752

Efficiency Ratio

51.54%

Rank 131 of 752

Equity / Assets

10.53%

Rank 382 of 752

Non-interest income vs. expense

$0.7M$5.0MINCOMEEXPENSE
Unfavorable gap of $4.3M · efficiency ratio beats 83% of banks under $1B in assets operating in a single state
Bank 51.54%Peer median 64.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.31%0.72%1.07%1.45%Beats 67%246 / 752
Return on Equity12.47%6.78%10.58%13.65%Beats 67%251 / 752
Net Interest Margin3.10%3.18%3.69%4.17%Beats 21%591 / 752
Efficiency Ratio51.54%55.75%64.49%75.47%Beats 83%131 / 752
Asset Quality
Nonperforming Loans / Loans0.43%0.09%0.42%1.03%Beats 49%381 / 748
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 70%232 / 748
Capital
Tier 1 Capital Ratio12.01%11.55%13.75%17.60%Beats 32%512 / 752
Total Risk-Based Capital Ratio12.01%11.70%14.33%18.47%Beats 28%541 / 752
Equity / Assets10.53%8.93%10.56%13.13%Beats 49%382 / 752
Liquidity & Funding
Loans / Deposits61.22%62.23%78.64%91.26%24th pctl575 / 752
Loans / Assets51.16%54.61%67.41%76.47%21st pctl596 / 752
Brokered Deposits / Depositsn/aNot reported for this institution