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Ascent Bank

Helena, MT · Cert 20162 · Ascent Bcorp

State charter, non-member · FDIC · 2 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=743 to 746). 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

35

Q2 2024Q2 2026peer median (50)

Asset Quality

8

Q2 2024Q2 2026peer median (50)

Profitability

74

Q2 2024Q2 2026peer median (50)

Liquidity

50

Q2 2024Q2 2026peer median

Efficiency

69

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

Ascent Bank

Helena, MT · Cert 20162 · Ascent Bcorp

State charter, non-member · FDIC · 2 branches

Q2 2026

$104.1MAssets
$82.5MLoans
$92.4MDeposits
$9.5MEquity
Loan mix
81%RE $66.4M17%C&I $13.8M2%Consumer $1.5MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $73.5M20%Noninterest $18.9MQ2 2025Q2 2026

NIM

5.43%Q2 ’245.98%Q2 ’255.92%Q2 ’26+16%+3%

Non-interest income vs. expense

2.65%Q2 ’242.41%Q2 ’252.50%Q2 ’26-8%+4%

Market Position · Helena, MT · 2026 SOD (annual) · 3.2% share · #7 of 14 inst. · $0.1B of $2.9B

Executive Summary

  • Earnings: ROA of 1.24%, down 12 bps year over year; NIM at 4.31%.
  • Asset quality: problem loans at 2.51% of loans (+175 bps YoY), with net charge-offs at 0.47%.
  • Capital: tier 1 leverage ratio of 8.69%, down 46 bps from a year ago.
  • Funding: loans stand at 89.28% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.24%-12 bps YoY

Net Interest Margin (YTD, annualized)

4.31%+12 bps YoY

Efficiency Ratio (YTD, annualized)

57.58%+48 bps YoY

Tier 1 Leverage Ratio

8.69%-46 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.36%1.34%1.33%1.16%1.24%-12 bps
Return on Equity15.15%14.77%14.45%12.64%13.56%-159 bps
Net Interest Margin4.19%4.19%4.15%4.00%4.31%+12 bps
Efficiency Ratio57.10%57.44%57.38%57.86%57.58%+48 bps
Non-Interest Burden2.34%2.36%2.34%2.26%2.43%+9 bps
Growth
Asset Growth (YoY)10.02%2.09%4.73%-0.47%-2.06%-1,208 bps
Loan Growth (YoY)8.44%1.13%1.35%3.12%0.54%-791 bps
Deposit Growth (YoY)9.63%1.06%3.87%-0.22%-1.60%-1,123 bps
Asset Quality
Nonperforming Loans / Loans0.75%0.31%1.74%1.97%2.51%+175 bps
Net Charge-Offs / Loans0.02%0.01%0.01%0.00%0.47%+44 bps
Allowance / Loans1.46%1.48%1.53%1.54%1.36%-10 bps
Allowance Coverage of NPLs1.9x4.8x0.9x0.8x0.5x-1.4x
Capital
Tier 1 Leverage Ratio9.15%9.36%9.48%7.98%8.69%-46 bps
Total Risk-Based Capital14.18%14.76%15.22%12.66%13.66%-52 bps
Equity / Assets9.23%9.32%9.68%8.72%9.08%-14 bps
Liquidity & Funding
Loans / Deposits87.38%83.77%82.53%89.81%89.28%+189 bps
Liquid Assets / Assets8.54%13.55%14.83%7.30%8.59%+4 bps
CRE / Total Capitaln/a364%359%430%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

Ascent Bank

Helena, MT · Cert 20162 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Ascent Bcorp

State charter, non-member · FDIC · 2 branches

Q2 2026

$104.1MAssets
$82.5MLoans
$92.4MDeposits
$9.5MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 81% of banks under $1B in assets operating in a single state (rank 140 of 746).
  • Widest gap: net charge-offs / loans trails 93% of banks under $1B in assets operating in a single state (rank 694 of 743).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.27%

Rank 259 of 746

Net Interest Margin

4.31%

Rank 140 of 746

Efficiency Ratio

57.58%

Rank 233 of 746

Equity / Assets

9.08%

Rank 542 of 746

Non-interest income vs. expense

$0.1M$2.7MINCOMEEXPENSE
Unfavorable gap of $2.6M · efficiency ratio beats 69% of banks under $1B in assets operating in a single state
Bank 57.58%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.27%0.72%1.06%1.45%Beats 65%259 / 746
Return on Equity13.97%6.74%10.51%13.63%Beats 77%174 / 746
Net Interest Margin4.31%3.17%3.68%4.16%Beats 81%140 / 746
Efficiency Ratio57.58%55.74%64.58%75.47%Beats 69%233 / 746
Asset Quality
Nonperforming Loans / Loans2.51%0.09%0.42%1.07%Beats 8%686 / 743
Net Charge-Offs / Loans0.23%0.00%0.01%0.05%Beats 7%694 / 743
Capital
Tier 1 Capital Ratio12.41%11.55%13.75%17.60%Beats 35%482 / 746
Total Risk-Based Capital Ratio13.66%11.71%14.33%18.43%Beats 44%419 / 746
Equity / Assets9.08%8.90%10.51%13.06%Beats 27%542 / 746
Liquidity & Funding
Loans / Deposits89.28%61.31%78.27%90.78%72nd pctl208 / 746
Loans / Assets79.28%53.60%66.97%76.08%84th pctl122 / 746
Brokered Deposits / Depositsn/aNot reported for this institution