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Bank of Bridger, National Association

Bridger, MT · Cert 2224 · Bridger Co. the

National charter · OCC · 12 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 regionally3

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 regionally (n=94). 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

66

Q2 2024Q2 2026peer median (50)

Asset Quality

75

Q2 2024Q2 2026peer median (50)

Profitability

26

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

53

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

Bank of Bridger, National Association

Bridger, MT · Cert 2224 · Bridger Co. the

National charter · OCC · 12 branches

Q2 2026

$802.7MAssets
$389.2MLoans
$729.8MDeposits
$68.5MEquity
Loan mix
86%RE $285.0M9%C&I $28.8M5%Consumer $16.8MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $564.8M23%Noninterest $165.0MQ2 2025Q2 2026

NIM

3.86%Q2 ’244.19%Q2 ’254.50%Q2 ’26+12%+14%

Non-interest income vs. expense

1.85%Q2 ’241.90%Q2 ’251.94%Q2 ’26+4%+1%

Market Position · Billings, MT · 2026 SOD (annual) · 2.1% share · #7 of 13 inst. · $0.2B of $8.0B

51.8% Big Horn
65.8% Carbon
28.9% Sheridan
4.9% Park

Executive Summary

  • Earnings: ROA of 0.92%, up 26 bps year over year; NIM at 2.98%.
  • Asset quality: problem loans at 0.47% of loans (-66 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.08%, up 39 bps from a year ago.
  • Funding: loans stand at 53.34% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.92%+26 bps YoY

Net Interest Margin (YTD, annualized)

2.98%+37 bps YoY

Efficiency Ratio (YTD, annualized)

61.03%-744 bps YoY

Tier 1 Leverage Ratio

10.08%+39 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.66%0.71%0.72%0.90%0.92%+26 bps
Return on Equity9.00%9.38%9.30%10.48%10.76%+176 bps
Net Interest Margin2.61%2.65%2.72%2.92%2.98%+37 bps
Efficiency Ratio68.47%65.37%65.60%60.30%61.03%-744 bps
Non-Interest Burden1.78%1.71%1.77%1.72%1.79%+1 bps
Growth
Asset Growth (YoY)8.43%5.73%3.05%2.60%-0.37%-880 bps
Loan Growth (YoY)3.31%4.79%5.98%5.67%5.00%+169 bps
Deposit Growth (YoY)7.93%7.01%-2.17%1.48%-1.41%-935 bps
Asset Quality
Nonperforming Loans / Loans1.13%0.86%0.82%0.92%0.47%-66 bps
Net Charge-Offs / Loans0.07%0.38%0.29%0.00%0.00%-8 bps
Allowance / Loans1.61%1.44%1.47%1.50%1.46%-15 bps
Allowance Coverage of NPLs1.4x1.7x1.8x1.6x3.1x+1.6x
Capital
Tier 1 Leverage Ratio9.69%9.62%9.82%10.02%10.08%+39 bps
Total Risk-Based Capital20.55%20.60%20.96%20.88%20.48%-7 bps
Equity / Assets7.62%8.34%8.59%8.57%8.54%+92 bps
Liquidity & Funding
Loans / Deposits50.08%51.45%52.95%51.51%53.34%+326 bps
Liquid Assets / Assets1.20%0.05%0.01%0.14%0.03%-116 bps
CRE / Total Capitaln/a112.43%109.88%110.21%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

Bank of Bridger, National Association

Bridger, MT · Cert 2224 · Peer group: banks under $1B in assets operating regionally (n=94) · Bridger Co. the

National charter · OCC · 12 branches

Q2 2026

$802.7MAssets
$389.2MLoans
$729.8MDeposits
$68.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating regionally (rank 12 of 94).
  • Widest gap: net interest margin trails 91% of banks under $1B in assets operating regionally (rank 86 of 94).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.92%

Rank 66 of 94

Net Interest Margin

2.98%

Rank 86 of 94

Efficiency Ratio

62.15%

Rank 45 of 94

Equity / Assets

8.54%

Rank 79 of 94

Non-interest income vs. expense

$1.3M$15.9MINCOMEEXPENSE
Unfavorable gap of $14.7M · efficiency ratio beats 53% of banks under $1B in assets operating regionally
Bank 62.15%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.92%0.82%1.19%1.46%Beats 30%66 / 94
Return on Equity10.73%7.85%11.84%14.03%Beats 40%56 / 94
Net Interest Margin2.98%3.42%3.81%4.18%Beats 9%86 / 94
Efficiency Ratio62.15%55.99%62.41%73.02%Beats 53%45 / 94
Asset Quality
Nonperforming Loans / Loans0.47%0.19%0.47%1.14%Beats 50%48 / 94
Net Charge-Offs / Loans0.00%0.00%0.02%0.05%Beats 100%12 / 94
Capital
Tier 1 Capital Ratio19.23%10.28%11.95%15.07%Beats 90%9 / 94
Total Risk-Based Capital Ratio20.48%10.31%12.59%15.88%Beats 93%7 / 94
Equity / Assets8.54%8.98%10.21%11.41%Beats 16%79 / 94
Liquidity & Funding
Loans / Deposits53.34%72.62%84.44%94.55%7th pctl87 / 94
Loans / Assets48.49%62.50%72.84%78.99%5th pctl89 / 94
Brokered Deposits / Depositsn/aNot reported for this institution