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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

5.13%Q2 ’245.35%Q2 ’255.56%Q2 ’26+11%+19%

Non-interest income vs. expense

1.74%Q2 ’241.87%Q2 ’251.95%Q2 ’26+11%+2%

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 1.40%, up 43 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.58% of loans (+15 bps YoY), with net charge-offs at 0.01%.
  • 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 (quarter, annualized)

1.40%+43 bps YoY

Net Interest Margin (quarter, annualized)

3.46%+56 bps YoY

Efficiency Ratio (quarter, annualized)

49.20%-630 bps YoY

Tier 1 Leverage Ratio

12.78%+156 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.97%1.83%1.25%1.26%1.40%+43 bps
Return on Equity8.80%15.55%10.11%10.05%11.06%+225 bps
Net Interest Margin2.90%3.99%3.33%3.30%3.46%+56 bps
Efficiency Ratio55.50%48.32%51.40%51.74%49.20%-630 bps
Non-Interest Burden1.58%1.80%1.64%1.65%1.62%+4 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%0.02%0.00%0.01%+1 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