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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

3.72%Q2 ’243.99%Q2 ’254.22%Q2 ’26+22%+9%

Non-interest income vs. expense

2.62%Q2 ’242.90%Q2 ’252.94%Q2 ’26+26%+4%

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 0.88%, up 18 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 0.51% of loans (-20 bps YoY), with net charge-offs at 0.08%.
  • 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 (quarter, annualized)

0.88%+18 bps YoY

Net Interest Margin (quarter, annualized)

3.37%+27 bps YoY

Efficiency Ratio (quarter, annualized)

71.87%-318 bps YoY

Tier 1 Leverage Ratio

11.10%-14 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.89%0.83%0.78%0.88%+18 bps
Return on Equity7.77%9.63%8.99%8.38%9.24%+146 bps
Net Interest Margin3.10%3.46%3.31%3.27%3.37%+27 bps
Efficiency Ratio75.05%72.92%70.42%73.89%71.87%-318 bps
Non-Interest Burden2.13%2.31%2.12%2.23%2.22%+9 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%0.04%0.00%-0.01%0.08%+9 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