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Tri City National Bank

Oak Creek, WI · Cert 18922 · Tri City Bankshares Corp.

National charter · OCC · 26 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets operating in a single state (n=257 to 258). 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

26

Q2 2024Q2 2026peer median (50)

Asset Quality

45

Q2 2024Q2 2026peer median (50)

Profitability

26

Q2 2024Q2 2026peer median (50)

Liquidity

12

Q2 2024Q2 2026peer median

Efficiency

19

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

Tri City National Bank

Oak Creek, WI · Cert 18922 · Tri City Bankshares Corp.

National charter · OCC · 26 branches

Q2 2026

$2.0BAssets
$1.2BLoans
$1.7BDeposits
$189.0MEquity
Loan mix
98%RE $1.2B1%C&I $0.0B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $1.3B24%Noninterest $0.4BQ2 2025Q2 2026

NIM

3.70%Q2 ’243.94%Q2 ’254.20%Q2 ’26+20%+10%

Non-interest income vs. expense

2.58%Q2 ’242.86%Q2 ’252.94%Q2 ’26+20%+6%

Market Position · Milwaukee-Waukesha, WI · 2026 SOD (annual) · 1.8% share · #10 of 43 inst. · $1.5B of $79.9B

2.0% Milwaukee
1.9% Waukesha
5.7% Racine
0.9% Kenosha

Executive Summary

  • Earnings: ROA of 0.83%, up 13 bps year over year; NIM at 3.32%.
  • Asset quality: problem loans at 0.51% of loans (-20 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 11.10%, down 14 bps from a year ago.
  • Funding: loans stand at 66.67% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.83%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.32%+31 bps YoY

Efficiency Ratio (YTD, annualized)

72.86%-312 bps YoY

Tier 1 Leverage Ratio

11.10%-14 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.76%0.78%0.78%0.83%+13 bps
Return on Equity8.11%8.64%8.75%8.38%8.81%+70 bps
Net Interest Margin3.01%3.12%3.09%3.27%3.32%+31 bps
Efficiency Ratio75.98%74.86%73.69%73.89%72.86%-312 bps
Non-Interest Burden2.11%2.15%2.09%2.23%2.23%+12 bps
Growth
Asset Growth (YoY)-6.14%-2.02%5.13%6.52%5.31%+1,145 bps
Loan Growth (YoY)-1.47%-2.35%-1.02%0.45%0.59%+206 bps
Deposit Growth (YoY)0.17%5.39%3.78%5.81%4.83%+467 bps
Asset Quality
Nonperforming Loans / Loans0.72%0.29%0.46%0.29%0.51%-20 bps
Net Charge-Offs / Loans0.00%0.01%0.01%-0.01%0.04%+4 bps
Allowance / Loans1.25%1.24%1.23%1.22%1.21%-4 bps
Allowance Coverage of NPLs1.7x4.3x2.7x4.1x2.4x+0.6x
Capital
Tier 1 Leverage Ratio11.24%11.11%10.89%10.95%11.10%-14 bps
Total Risk-Based Capital11.24%11.11%10.89%10.95%11.10%-14 bps
Equity / Assets9.20%9.27%9.23%9.48%9.68%+48 bps
Liquidity & Funding
Loans / Deposits69.48%66.29%64.57%66.56%66.67%-281 bps
Liquid Assets / Assets6.15%10.11%11.41%9.93%8.64%+249 bps
CRE / Total Capitaln/a424%426%426%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

Tri City National Bank

Oak Creek, WI · Cert 18922 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Tri City Bankshares Corp.

National charter · OCC · 26 branches

Q2 2026

$2.0BAssets
$1.2BLoans
$1.7BDeposits
$189.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 47% of banks $1B-$10B in assets operating in a single state (rank 140 of 258).
  • Widest gap: total risk-based capital ratio trails 83% of banks $1B-$10B in assets operating in a single state (rank 215 of 258).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.84%

Rank 207 of 258

Net Interest Margin

3.32%

Rank 164 of 258

Efficiency Ratio

72.86%

Rank 208 of 257

Equity / Assets

9.68%

Rank 157 of 258

Non-interest income vs. expense

$14.3M$59.3MINCOMEEXPENSE
Unfavorable gap of $45.0M · efficiency ratio beats 19% of banks $1B-$10B in assets operating in a single state
Bank 72.86%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.84%0.93%1.23%1.54%Beats 20%207 / 258
Return on Equity8.72%9.26%11.84%14.74%Beats 22%202 / 258
Net Interest Margin3.32%3.16%3.49%3.88%Beats 36%164 / 258
Efficiency Ratio72.86%51.71%60.30%69.65%Beats 19%208 / 257
Asset Quality
Nonperforming Loans / Loans0.51%0.19%0.46%0.90%Beats 43%147 / 258
Net Charge-Offs / Loans0.03%0.01%0.02%0.07%Beats 47%140 / 258
Capital
Tier 1 Capital Ratio11.10%11.41%12.98%15.12%Beats 22%200 / 258
Total Risk-Based Capital Ratio11.10%12.10%13.91%16.08%Beats 17%215 / 258
Equity / Assets9.68%9.09%10.24%11.72%Beats 39%157 / 258
Liquidity & Funding
Loans / Deposits66.67%73.24%86.34%95.95%14th pctl222 / 258
Loans / Assets59.70%63.01%72.27%78.40%19th pctl209 / 258
Brokered Deposits / Depositsn/aNot reported for this institution