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Abbybank

Abbotsford, WI · Cert 19795 · Abby Bcorp Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

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 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 in WI (n=110 to 113). 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

36

Q2 2024Q2 2026peer median (50)

Asset Quality

40

Q2 2024Q2 2026peer median (50)

Profitability

34

Q2 2024Q2 2026peer median (50)

Liquidity

58

Q2 2024Q2 2026peer median

Efficiency

33

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

Abbybank

Abbotsford, WI · Cert 19795 · Abby Bcorp Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$662.2MAssets
$440.3MLoans
$580.2MDeposits
$52.5MEquity
Loan mix
92%RE $370.6M7%C&I $29.5M0%Consumer $1.0MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $431.8M26%Noninterest $148.4MQ2 2025Q2 2026

NIM

4.34%Q2 ’244.61%Q2 ’254.71%Q2 ’26+17%+14%

Non-interest income vs. expense

2.32%Q2 ’242.33%Q2 ’252.45%Q2 ’260%+2%

Market Position · Wausau, WI · 2026 SOD (annual) · 6.9% share · #5 of 17 inst. · $0.4B of $5.4B

6.9% Marathon
19.0% Taylor
7.7% Shawano
0.7% Outagamie

Executive Summary

  • Earnings: ROA of 0.86%, up 31 bps year over year; NIM at 3.20%.
  • Asset quality: problem loans at 1.34% of loans (-32 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.43%, up 51 bps from a year ago.
  • Funding: loans stand at 75.89% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.86%+31 bps YoY

Net Interest Margin (YTD, annualized)

3.20%+38 bps YoY

Efficiency Ratio (YTD, annualized)

68.79%-644 bps YoY

Tier 1 Leverage Ratio

9.43%+51 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.55%0.65%0.71%0.69%0.86%+31 bps
Return on Equity8.23%9.50%10.04%8.90%11.04%+280 bps
Net Interest Margin2.82%2.88%2.96%3.10%3.20%+38 bps
Efficiency Ratio75.23%73.42%72.67%71.66%68.79%-644 bps
Non-Interest Burden2.07%2.05%2.08%2.14%2.10%+4 bps
Growth
Asset Growth (YoY)0.85%-1.28%-0.20%0.55%0.40%-45 bps
Loan Growth (YoY)-3.13%-2.18%0.15%-1.07%2.45%+558 bps
Deposit Growth (YoY)2.94%2.68%5.42%2.82%4.15%+121 bps
Asset Quality
Nonperforming Loans / Loans1.65%1.55%1.56%1.61%1.34%-32 bps
Net Charge-Offs / Loans0.07%0.06%0.04%0.00%0.00%-7 bps
Allowance / Loans1.14%1.13%1.12%1.17%1.13%0 bps
Allowance Coverage of NPLs0.7x0.7x0.7x0.7x0.8x+0.2x
Capital
Tier 1 Leverage Ratio8.92%9.00%9.16%9.36%9.43%+51 bps
Total Risk-Based Capital13.30%13.50%13.64%13.83%13.78%+48 bps
Equity / Assets6.97%7.46%7.67%7.82%7.93%+96 bps
Liquidity & Funding
Loans / Deposits77.15%77.29%75.24%75.12%75.89%-126 bps
Liquid Assets / Assets6.04%5.05%5.81%6.99%6.79%+75 bps
CRE / Total Capitaln/a347%345%334%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

Abbybank

Abbotsford, WI · Cert 19795 · Peer group: banks under $1B in assets in WI (n=110-113) · Abby Bcorp Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$662.2MAssets
$440.3MLoans
$580.2MDeposits
$52.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 64% of banks under $1B in assets in WI (rank 44 of 110).
  • Widest gap: equity / assets trails 90% of banks under $1B in assets in WI (rank 102 of 113).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.85%

Rank 85 of 113

Net Interest Margin

3.20%

Rank 84 of 113

Efficiency Ratio

69.19%

Rank 77 of 113

Equity / Assets

7.93%

Rank 102 of 113

Non-interest income vs. expense

$2.3M$16.3MINCOMEEXPENSE
Unfavorable gap of $14.0M · efficiency ratio beats 33% of banks under $1B in assets in WI
Bank 69.19%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.85%0.85%1.17%1.51%Beats 25%85 / 113
Return on Equity10.77%7.70%10.77%13.67%Beats 50%57 / 113
Net Interest Margin3.20%3.19%3.59%3.89%Beats 26%84 / 113
Efficiency Ratio69.19%54.61%62.43%71.88%Beats 33%77 / 113
Asset Quality
Nonperforming Loans / Loans1.34%0.03%0.24%0.91%Beats 16%93 / 110
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 64%44 / 110
Capital
Tier 1 Capital Ratio12.76%11.22%12.95%15.76%Beats 47%60 / 113
Total Risk-Based Capital Ratio13.78%11.57%13.59%16.73%Beats 51%55 / 113
Equity / Assets7.93%9.17%10.74%13.13%Beats 10%102 / 113
Liquidity & Funding
Loans / Deposits75.89%76.54%86.37%98.93%24th pctl85 / 112
Loans / Assets66.49%63.07%71.33%78.84%31st pctl78 / 113
Brokered Deposits / Depositsn/aNot reported for this institution