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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

4.73%Q2 ’244.88%Q2 ’254.88%Q2 ’26+9%-3%

Non-interest income vs. expense

1.91%Q2 ’241.97%Q2 ’251.71%Q2 ’26+5%-11%

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 1.44%, up 16 bps year over year; NIM at 3.21%.
  • Asset quality: problem loans at 0.43% of loans (+20 bps YoY), with net recoveries of 0.01%.
  • 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 (quarter, annualized)

1.44%+16 bps YoY

Net Interest Margin (quarter, annualized)

3.21%-8 bps YoY

Efficiency Ratio (quarter, annualized)

49.56%-508 bps YoY

Tier 1 Leverage Ratio

12.01%-33 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.28%1.44%1.25%1.21%1.44%+16 bps
Return on Equity14.28%15.54%12.37%11.71%13.76%-52 bps
Net Interest Margin3.29%3.19%3.16%3.11%3.21%-8 bps
Efficiency Ratio54.64%47.69%51.55%53.67%49.56%-508 bps
Non-Interest Burden1.66%1.36%1.47%1.56%1.47%-19 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%-0.03%0.05%0.00%-0.01%-1 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