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Campbell & Fetter Bank

Kendallville, IN · Cert 16757 · C&F Banc Shares Corp.

State charter, non-member · FDIC · 8 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

72

Q2 2024Q2 2026peer median (50)

Asset Quality

83

Q2 2024Q2 2026peer median (50)

Profitability

29

Q2 2024Q2 2026peer median (50)

Liquidity

78

Q2 2024Q2 2026peer median

Efficiency

49

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

Campbell & Fetter Bank

Kendallville, IN · Cert 16757 · C&F Banc Shares Corp.

State charter, non-member · FDIC · 8 branches

Q2 2026

$355.0MAssets
$238.4MLoans
$285.6MDeposits
$35.9MEquity
Loan mix
89%RE $206.9M6%C&I $13.8M6%Consumer $13.0MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $214.3M25%Noninterest $71.3MQ2 2025Q2 2026

NIM

3.47%Q2 ’243.95%Q2 ’254.24%Q2 ’26+19%+13%

Non-interest income vs. expense

2.08%Q2 ’242.00%Q2 ’252.09%Q2 ’26-4%+7%

Market Position · Elkhart-Goshen, IN · 2026 SOD (annual) · 0.3% share · #14 of 16 inst. · $0.0B of $4.8B

24.9% Noble
2.8% DeKalb
0.3% Elkhart
1.2% Steuben

Executive Summary

  • Earnings: ROA of 0.83%, up 21 bps year over year; NIM at 3.07%.
  • Asset quality: problem loans at 0.00% of loans (-6 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.00%, down 19 bps from a year ago.
  • Funding: loans stand at 83.47% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.83%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.07%+36 bps YoY

Efficiency Ratio (YTD, annualized)

64.96%-389 bps YoY

Tier 1 Leverage Ratio

10.00%-19 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.67%0.62%0.82%0.83%+21 bps
Return on Equity6.42%6.85%6.36%8.10%8.24%+181 bps
Net Interest Margin2.72%2.74%2.78%3.03%3.07%+36 bps
Efficiency Ratio68.85%67.98%68.32%65.12%64.96%-389 bps
Non-Interest Burden1.81%1.80%1.84%1.92%1.94%+13 bps
Growth
Asset Growth (YoY)1.36%3.06%4.00%2.38%3.44%+208 bps
Loan Growth (YoY)11.53%7.29%7.40%6.70%5.43%-610 bps
Deposit Growth (YoY)-1.57%14.69%16.53%13.45%15.84%+1,741 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.00%0.00%0.00%0.00%-6 bps
Net Charge-Offs / Loans-0.01%0.01%0.01%-0.02%-0.01%0 bps
Allowance / Loans0.80%0.80%0.81%0.82%0.83%+3 bps
Allowance Coverage of NPLs14.1xn/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.19%10.20%10.10%10.15%10.00%-19 bps
Total Risk-Based Capital23.55%24.09%23.09%23.20%22.90%-65 bps
Equity / Assets10.04%10.08%9.98%10.15%10.10%+6 bps
Liquidity & Funding
Loans / Deposits91.71%79.39%81.59%81.95%83.47%-824 bps
Liquid Assets / Assets9.30%12.21%10.53%10.60%9.99%+69 bps
CRE / Total Capitaln/a20.85%22.88%22.21%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

Campbell & Fetter Bank

Kendallville, IN · Cert 16757 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · C&F Banc Shares Corp.

State charter, non-member · FDIC · 8 branches

Q2 2026

$355.0MAssets
$238.4MLoans
$285.6MDeposits
$35.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 748).
  • Widest gap: net interest margin trails 80% of banks under $1B in assets operating in a single state (rank 598 of 752).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.83%

Rank 510 of 752

Net Interest Margin

3.07%

Rank 598 of 752

Efficiency Ratio

64.96%

Rank 385 of 752

Equity / Assets

10.10%

Rank 426 of 752

Non-interest income vs. expense

$0.5M$7.4MINCOMEEXPENSE
Unfavorable gap of $6.9M · efficiency ratio beats 49% of banks under $1B in assets operating in a single state
Bank 64.96%Peer median 64.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.83%0.72%1.07%1.45%Beats 32%510 / 752
Return on Equity8.21%6.78%10.58%13.65%Beats 35%490 / 752
Net Interest Margin3.07%3.18%3.69%4.17%Beats 20%598 / 752
Efficiency Ratio64.96%55.75%64.49%75.47%Beats 49%385 / 752
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.03%Beats 100%105 / 748
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 65%271 / 748
Capital
Tier 1 Capital Ratio21.67%11.55%13.75%17.60%Beats 86%107 / 752
Total Risk-Based Capital Ratio22.90%11.70%14.33%18.47%Beats 86%104 / 752
Equity / Assets10.10%8.93%10.56%13.13%Beats 43%426 / 752
Liquidity & Funding
Loans / Deposits83.47%62.23%78.64%91.26%60th pctl301 / 752
Loans / Assets67.16%54.61%67.41%76.47%49th pctl381 / 752
Brokered Deposits / Depositsn/aNot reported for this institution