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Johnson Bank

Racine, WI · Cert 20296 · Johnson Financial Group Inc.

State charter, Fed member · FED · 32 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

79

Q2 2024Q2 2026peer median (50)

Asset Quality

72

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

48

Q2 2024Q2 2026peer median

Efficiency

42

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

Johnson Bank

Racine, WI · Cert 20296 · Johnson Financial Group Inc.

State charter, Fed member · FED · 32 branches

Q2 2026

$7.1BAssets
$5.4BLoans
$5.6BDeposits
$862.6MEquity
Loan mix
84%RE $4.3B14%C&I $0.7B2%Consumer $0.1BQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $4.5B19%Noninterest $1.1BQ2 2025Q2 2026

NIM

5.14%Q2 ’245.02%Q2 ’255.01%Q2 ’26+2%+5%

Non-interest income vs. expense

2.85%Q2 ’242.80%Q2 ’252.69%Q2 ’26-4%-6%

Market Position · Racine-Mount Pleasant, WI · 2026 SOD (annual) · 36.0% share · #1 of 13 inst. · $1.6B of $4.5B

36.0% Racine
1.9% Milwaukee
21.6% Kenosha
2.5% Dane

Executive Summary

  • Earnings: ROA of 1.30%, up 39 bps year over year; NIM at 3.32%.
  • Asset quality: problem loans at 0.23% of loans (-12 bps YoY), with net recoveries of 0.06%.
  • Capital: tier 1 leverage ratio of 12.33%, up 55 bps from a year ago.
  • Funding: loans stand at 95.56% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.30%+39 bps YoY

Net Interest Margin (YTD, annualized)

3.32%+16 bps YoY

Efficiency Ratio (YTD, annualized)

62.23%-497 bps YoY

Tier 1 Leverage Ratio

12.33%+55 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%1.02%1.07%1.24%1.30%+39 bps
Return on Equity7.55%8.54%8.96%10.06%10.61%+305 bps
Net Interest Margin3.16%3.20%3.16%3.25%3.32%+16 bps
Efficiency Ratio67.20%66.25%65.80%62.78%62.23%-497 bps
Non-Interest Burden1.79%1.77%1.73%1.65%1.68%-11 bps
Growth
Asset Growth (YoY)9.43%6.97%6.57%2.33%0.32%-911 bps
Loan Growth (YoY)9.87%8.48%4.41%2.18%0.48%-939 bps
Deposit Growth (YoY)7.08%12.23%11.51%9.90%2.65%-443 bps
Asset Quality
Nonperforming Loans / Loans0.35%0.34%0.28%0.28%0.23%-12 bps
Net Charge-Offs / Loans0.34%0.23%0.28%-0.12%-0.06%-41 bps
Allowance / Loans1.49%1.47%1.45%1.48%1.42%-7 bps
Allowance Coverage of NPLs4.2x4.3x5.2x5.3x6.1x+1.9x
Capital
Tier 1 Leverage Ratio11.78%11.98%11.96%12.47%12.33%+55 bps
Total Risk-Based Capital15.87%16.14%16.89%17.30%16.87%+100 bps
Equity / Assets11.59%11.89%12.01%12.58%12.20%+62 bps
Liquidity & Funding
Loans / Deposits97.62%93.67%88.01%90.61%95.56%-206 bps
Liquid Assets / Assets13.76%13.42%16.96%14.30%13.37%-39 bps
CRE / Total Capitaln/a324%301%298%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

Johnson Bank

Racine, WI · Cert 20296 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Johnson Financial Group Inc.

State charter, Fed member · FED · 32 branches

Q2 2026

$7.1BAssets
$5.4BLoans
$5.6BDeposits
$862.6MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 80% of banks $1B-$10B in assets operating in a single state (rank 52 of 258).
  • Widest gap: net interest margin trails 64% of banks $1B-$10B in assets operating in a single state (rank 166 of 258).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.30%

Rank 110 of 258

Net Interest Margin

3.32%

Rank 166 of 258

Efficiency Ratio

62.23%

Rank 150 of 257

Equity / Assets

12.20%

Rank 54 of 258

Non-interest income vs. expense

$71.2M$188.7MINCOMEEXPENSE
Unfavorable gap of $117.4M · efficiency ratio beats 42% of banks $1B-$10B in assets operating in a single state
Bank 62.23%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.30%0.93%1.23%1.54%Beats 57%110 / 258
Return on Equity10.68%9.26%11.84%14.74%Beats 40%154 / 258
Net Interest Margin3.32%3.16%3.49%3.88%Beats 36%166 / 258
Efficiency Ratio62.23%51.71%60.30%69.65%Beats 42%150 / 257
Asset Quality
Nonperforming Loans / Loans0.23%0.19%0.46%0.90%Beats 71%77 / 258
Net Charge-Offs / Loans0.01%0.01%0.02%0.07%Beats 73%71 / 258
Capital
Tier 1 Capital Ratio15.62%11.41%12.98%15.12%Beats 79%55 / 258
Total Risk-Based Capital Ratio16.87%12.10%13.91%16.08%Beats 80%52 / 258
Equity / Assets12.20%9.09%10.24%11.72%Beats 79%54 / 258
Liquidity & Funding
Loans / Deposits95.56%73.24%86.34%95.95%74th pctl67 / 258
Loans / Assets76.09%63.01%72.27%78.40%63rd pctl95 / 258
Brokered Deposits / Depositsn/aNot reported for this institution