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Intercity State Bank

Schofield, WI · Cert 17128

FDIC · 3 branches

Q2 2025

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 2025, the quarter ended June 30, 2025, 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=118 to 121). 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

94

Q2 2024Q2 2025peer median (50)

Asset Quality

81

Q2 2024Q2 2025peer median (50)

Profitability

65

Q2 2024Q2 2025peer median (50)

Liquidity

10

Q2 2024Q2 2025peer median

Efficiency

93

Q2 2024Q2 2025peer 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

Intercity State Bank

Schofield, WI · Cert 17128

FDIC · 3 branches

Q2 2025

$260.5MAssets
$212.3MLoans
$199.2MDeposits
$60.2MEquity
Loan mix
93%RE $157.3M6%C&I $10.6M1%Consumer $1.6MQ3 2023Q2 2025
Deposit mix
79%Interest-bearing $157.6M21%Noninterest $41.6MQ3 2023Q2 2025

Market Position · Wausau, WI · 2025 SOD (annual) · 3.8% share · #8 of 17 inst. · $0.2B of $5.2B

Executive Summary

  • Earnings: ROA of 1.69%, up 42 bps year over year; NIM at 3.64%.
  • Asset quality: problem loans at 0.11% of loans (-18 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 22.57%, up 180 bps from a year ago.
  • Funding: loans stand at 106.59% of deposits as of Q2 2025.

Return on Assets (YTD, annualized)

1.69%+42 bps YoY

Net Interest Margin (YTD, annualized)

3.64%+62 bps YoY

Efficiency Ratio (YTD, annualized)

43.41%-693 bps YoY

Tier 1 Leverage Ratio

22.57%+180 bps YoY

NIM

4.10%Q2 ’234.90%Q2 ’245.28%Q2 ’25+1%+20%

Non-interest income vs. expense

1.70%Q2 ’231.64%Q2 ’241.68%Q2 ’25+3%+3%

Year to date, annualized, through each quarter.

MetricQ3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets1.19%1.27%1.20%1.27%1.40%1.36%1.58%1.69%+42 bps
Return on Equity5.85%6.24%5.94%6.17%6.75%6.56%7.46%7.75%+158 bps
Net Interest Margin2.95%2.96%2.91%3.02%3.17%3.19%3.49%3.64%+62 bps
Efficiency Ratio49.39%48.49%51.61%50.34%48.40%47.76%44.18%43.41%-693 bps
Non-Interest Burden1.30%1.28%1.39%1.40%1.41%1.39%1.46%1.44%+4 bps
Growth
Asset Growth (YoY)3.87%1.98%10.25%3.53%2.71%6.43%-0.51%-0.47%-400 bps
Loan Growth (YoY)6.02%1.99%12.06%4.10%2.64%-0.40%-4.80%-2.42%-652 bps
Deposit Growth (YoY)-1.59%1.78%6.26%11.96%9.78%12.91%7.86%2.34%-962 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.03%0.24%0.29%0.09%0.11%0.11%0.11%-18 bps
Net Charge-Offs / Loans-0.05%-0.05%-0.06%-0.04%0.13%0.10%-0.01%-0.01%+3 bps
Allowance / Loans0.94%0.94%0.92%0.96%0.83%1.01%1.02%1.03%+7 bps
Allowance Coverage of NPLs29.6x30.1x3.8x3.4x9.7x9.3x9.3x9.7x+6.3x
Capital
Tier 1 Leverage Ratio20.66%20.74%20.39%20.78%21.35%21.32%21.45%22.57%+180 bps
Total Risk-Based Capital23.72%24.14%23.88%25.05%26.03%27.31%26.93%27.80%+275 bps
Equity / Assets20.35%20.33%20.07%21.19%21.23%20.56%21.79%23.10%+191 bps
Liquidity & Funding
Loans / Deposits116.44%112.65%118.44%111.79%108.88%99.37%104.53%106.59%-520 bps
Liquid Assets / Assets14.06%13.61%13.04%12.84%12.87%18.38%17.14%14.59%+175 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/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

Intercity State Bank

Schofield, WI · Cert 17128 · Peer group: banks under $1B in assets in WI (n=118-121)

FDIC · 3 branches

Q2 2025

$260.5MAssets
$212.3MLoans
$199.2MDeposits
$60.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in WI (rank 37 of 118).
  • Widest gap: return on equity trails 67% of banks under $1B in assets in WI (rank 81 of 121).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.76%

Rank 13 of 121

Net Interest Margin

3.64%

Rank 34 of 121

Efficiency Ratio

43.41%

Rank 9 of 121

Equity / Assets

23.10%

Rank 6 of 121

Non-interest income vs. expense

$0.6M$4.5MINCOMEEXPENSE
Unfavorable gap of $3.8M · efficiency ratio beats 93% of banks under $1B in assets in WI
Bank 43.41%Peer median 67.6%Q2 2024Q2 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.76%0.65%0.96%1.34%Beats 89%13 / 121
Return on Equity7.60%6.61%9.45%11.95%Beats 33%81 / 121
Net Interest Margin3.64%2.86%3.23%3.68%Beats 72%34 / 121
Efficiency Ratio43.41%57.12%67.55%77.22%Beats 93%9 / 121
Asset Quality
Nonperforming Loans / Loans0.11%0.03%0.27%0.68%Beats 61%47 / 118
Net Charge-Offs / Loans0.00%n/a0.00%0.02%Beats 100%37 / 118
Capital
Tier 1 Capital Ratio26.78%11.41%12.66%16.14%Beats 94%7 / 121
Total Risk-Based Capital Ratio27.80%11.60%13.47%16.77%Beats 93%9 / 121
Equity / Assets23.10%8.83%10.37%12.88%Beats 95%6 / 121
Liquidity & Funding
Loans / Deposits106.59%71.82%85.98%96.19%87th pctl16 / 120
Loans / Assets81.53%61.64%71.81%79.67%83rd pctl20 / 118
Brokered Deposits / Depositsn/aNot reported for this institution