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One Community Bank

Oregon, WI · Cert 22334 · Bosshard Financial Group Inc.

State charter, Fed member · FED · 19 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

55

Q2 2024Q2 2026peer median (50)

Asset Quality

60

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

71

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

One Community Bank

Oregon, WI · Cert 22334 · Bosshard Financial Group Inc.

State charter, Fed member · FED · 1 affiliate bank · 19 branches (24 in holding)

Q2 2026

$2.6BAssets
$2.2BLoans
$2.1BDeposits
$332.5MEquity
Loan mix
94%RE $2.0B6%C&I $0.1B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $1.7B18%Noninterest $0.4BQ2 2025Q2 2026

NIM

5.03%Q2 ’245.22%Q2 ’255.45%Q2 ’26+10%+20%

Non-interest income vs. expense

1.75%Q2 ’241.86%Q2 ’251.93%Q2 ’26+9%+3%

Market Position · Madison, WI · 2026 SOD (annual) · 4.9% share · #7 of 41 inst. · $1.5B of $30.1B

5.7% Dane
4.0% Marathon
26.2% Vernon
39.4% Adams

Executive Summary

  • Earnings: ROA of 1.33%, up 42 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 0.58% of loans (+15 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.78%, up 156 bps from a year ago.
  • Funding: loans stand at 107.82% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.33%+42 bps YoY

Net Interest Margin (YTD, annualized)

3.35%+55 bps YoY

Efficiency Ratio (YTD, annualized)

50.43%-657 bps YoY

Tier 1 Leverage Ratio

12.78%+156 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%1.22%1.23%1.26%1.33%+42 bps
Return on Equity8.25%10.72%10.63%10.05%10.55%+230 bps
Net Interest Margin2.80%2.98%3.04%3.30%3.35%+55 bps
Efficiency Ratio57.00%53.12%52.65%51.74%50.43%-657 bps
Non-Interest Burden1.57%1.53%1.54%1.65%1.62%+5 bps
Growth
Asset Growth (YoY)3.31%16.20%17.66%16.29%17.66%+1,434 bps
Loan Growth (YoY)1.97%15.86%18.85%17.89%18.20%+1,624 bps
Deposit Growth (YoY)6.39%18.26%19.24%17.18%18.56%+1,217 bps
Asset Quality
Nonperforming Loans / Loans0.42%0.36%0.33%0.47%0.58%+15 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.00%0.00%0 bps
Allowance / Loans1.02%1.02%1.02%1.05%1.05%+3 bps
Allowance Coverage of NPLs2.4x2.8x3.1x2.2x1.8x-0.6x
Capital
Tier 1 Leverage Ratio11.22%12.49%12.55%12.66%12.78%+156 bps
Total Risk-Based Capital11.22%12.49%12.55%12.66%12.78%+156 bps
Equity / Assets11.09%12.32%12.48%12.70%12.65%+157 bps
Liquidity & Funding
Loans / Deposits108.15%106.66%107.25%109.08%107.82%-33 bps
Liquid Assets / Assets3.98%3.06%2.95%2.73%3.02%-96 bps
CRE / Total Capitaln/a500%498%495%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

One Community Bank

Oregon, WI · Cert 22334 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Bosshard Financial Group Inc.

State charter, Fed member · FED · 1 affiliate bank · 19 branches (24 in holding)

Q2 2026

$2.6BAssets
$2.2BLoans
$2.1BDeposits
$332.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 84% of banks $1B-$10B in assets operating in a single state (rank 43 of 258).
  • Widest gap: total risk-based capital ratio trails 66% of banks $1B-$10B in assets operating in a single state (rank 170 of 258).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.30%

Rank 112 of 258

Net Interest Margin

3.35%

Rank 154 of 258

Efficiency Ratio

52.88%

Rank 75 of 257

Equity / Assets

12.65%

Rank 42 of 258

Non-interest income vs. expense

$8.2M$50.7MINCOMEEXPENSE
Unfavorable gap of $42.5M · efficiency ratio beats 71% of banks $1B-$10B in assets operating in a single state
Bank 52.88%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%112 / 258
Return on Equity10.30%9.26%11.84%14.74%Beats 36%166 / 258
Net Interest Margin3.35%3.16%3.49%3.88%Beats 40%154 / 258
Efficiency Ratio52.88%51.71%60.30%69.65%Beats 71%75 / 257
Asset Quality
Nonperforming Loans / Loans0.58%0.19%0.46%0.90%Beats 36%165 / 258
Net Charge-Offs / Loans0.00%0.01%0.02%0.07%Beats 84%43 / 258
Capital
Tier 1 Capital Ratio12.78%11.41%12.98%15.12%Beats 47%138 / 258
Total Risk-Based Capital Ratio12.78%12.10%13.91%16.08%Beats 34%170 / 258
Equity / Assets12.65%9.09%10.24%11.72%Beats 84%42 / 258
Liquidity & Funding
Loans / Deposits107.82%73.24%86.34%95.95%93rd pctl17 / 258
Loans / Assets84.75%63.01%72.27%78.40%94th pctl16 / 258
Brokered Deposits / Depositsn/aNot reported for this institution