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West Michigan Community Bank

Hudsonville, MI · Cert 22308 · Northstar Financial Group Inc.

State charter, Fed member · FED · 8 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

6

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

71

Q2 2024Q2 2026peer median (50)

Liquidity

38

Q2 2024Q2 2026peer median

Efficiency

75

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

West Michigan Community Bank

Hudsonville, MI · Cert 22308 · Northstar Financial Group Inc.

State charter, Fed member · FED · 2 affiliate banks · 8 branches (27 in holding)

Q2 2026

$1.2BAssets
$1.0BLoans
$1.1BDeposits
$106.1MEquity
Loan mix
80%RE $807.1M19%C&I $193.6M0%Consumer $4.9MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $848.1M21%Noninterest $225.7MQ2 2025Q2 2026

NIM

5.68%Q2 ’245.65%Q2 ’255.64%Q2 ’26+5%-1%

Non-interest income vs. expense

2.11%Q2 ’242.18%Q2 ’252.08%Q2 ’26+2%-5%

Market Position · Grand Rapids-Wyoming-Kentwood, MI · 2026 SOD (annual) · 3.1% share · #8 of 28 inst. · $1.1B of $34.4B

14.5% Ottawa
0.7% Kent

Executive Summary

  • Earnings: ROA of 1.46%, up 43 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 1.40% of loans (+79 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.22%, down 31 bps from a year ago.
  • Funding: loans stand at 97.27% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.46%+43 bps YoY

Net Interest Margin (YTD, annualized)

3.56%-3 bps YoY

Efficiency Ratio (YTD, annualized)

51.71%-187 bps YoY

Tier 1 Leverage Ratio

9.22%-31 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.03%1.16%1.21%1.37%1.46%+43 bps
Return on Equity11.72%13.12%13.86%16.28%17.04%+532 bps
Net Interest Margin3.59%3.59%3.48%3.57%3.56%-3 bps
Efficiency Ratio53.58%52.89%52.07%51.40%51.71%-187 bps
Non-Interest Burden1.70%1.68%1.59%1.61%1.62%-8 bps
Growth
Asset Growth (YoY)6.64%7.54%13.12%12.46%13.49%+685 bps
Loan Growth (YoY)6.53%8.13%13.02%13.05%12.67%+614 bps
Deposit Growth (YoY)7.43%9.08%11.64%13.83%15.49%+806 bps
Asset Quality
Nonperforming Loans / Loans0.61%0.80%0.31%1.43%1.40%+79 bps
Net Charge-Offs / Loans0.57%0.36%0.28%0.00%0.00%-57 bps
Allowance / Loans1.29%1.30%1.34%1.38%1.39%+10 bps
Allowance Coverage of NPLs2.1x1.6x4.3x1.0x1.0x-1.1x
Capital
Tier 1 Leverage Ratio9.52%9.68%8.89%8.98%9.22%-31 bps
Total Risk-Based Capital9.52%9.68%8.89%8.98%9.22%-31 bps
Equity / Assets8.97%9.00%8.26%8.61%8.75%-22 bps
Liquidity & Funding
Loans / Deposits99.70%101.10%97.53%99.11%97.27%-243 bps
Liquid Assets / Assets0.80%1.03%2.20%0.83%1.16%+36 bps
CRE / Total Capitaln/a552%605%585%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

West Michigan Community Bank

Hudsonville, MI · Cert 22308 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Northstar Financial Group Inc.

State charter, Fed member · FED · 2 affiliate banks · 8 branches (27 in holding)

Q2 2026

$1.2BAssets
$1.0BLoans
$1.1BDeposits
$106.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 91% of banks $1B-$10B in assets operating in a single state (rank 26 of 258).
  • Widest gap: total risk-based capital ratio trails 99% of banks $1B-$10B in assets operating in a single state (rank 255 of 258).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.44%

Rank 77 of 258

Net Interest Margin

3.56%

Rank 114 of 258

Efficiency Ratio

51.71%

Rank 65 of 257

Equity / Assets

8.75%

Rank 213 of 258

Non-interest income vs. expense

$5.6M$25.1MINCOMEEXPENSE
Unfavorable gap of $19.5M · efficiency ratio beats 75% of banks $1B-$10B in assets operating in a single state
Bank 51.71%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.44%0.93%1.23%1.54%Beats 70%77 / 258
Return on Equity16.44%9.26%11.84%14.74%Beats 86%37 / 258
Net Interest Margin3.56%3.16%3.49%3.88%Beats 56%114 / 258
Efficiency Ratio51.71%51.71%60.30%69.65%Beats 75%65 / 257
Asset Quality
Nonperforming Loans / Loans1.40%0.19%0.46%0.90%Beats 15%220 / 258
Net Charge-Offs / Loans0.00%0.01%0.02%0.07%Beats 91%26 / 258
Capital
Tier 1 Capital Ratio9.22%11.41%12.98%15.12%Beats 1%255 / 258
Total Risk-Based Capital Ratio9.22%12.10%13.91%16.08%Beats 1%255 / 258
Equity / Assets8.75%9.09%10.24%11.72%Beats 17%213 / 258
Liquidity & Funding
Loans / Deposits97.27%73.24%86.34%95.95%79th pctl53 / 258
Loans / Assets86.17%63.01%72.27%78.40%96th pctl10 / 258
Brokered Deposits / Depositsn/aNot reported for this institution