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Bankers' Bank

Madison, WI · Cert 23537 · Bankers Bcorp Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

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 (n=322 to 328). 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

81

Q2 2024Q2 2026peer median (50)

Asset Quality

33

Q2 2024Q2 2026peer median (50)

Profitability

15

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

28

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

Bankers' Bank

Madison, WI · Cert 23537 · Bankers Bcorp Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$1.5BAssets
$1.1BLoans
$951.9MDeposits
$195.1MEquity
Loan mix
93%RE $668.4M5%C&I $39.4M2%Consumer $13.7MQ2 2025Q2 2026
Deposit mix
66%Interest-bearing $623.6M34%Noninterest $328.3MQ2 2025Q2 2026

NIM

4.56%Q2 ’244.75%Q2 ’254.89%Q2 ’26+35%+26%

Non-interest income vs. expense

2.43%Q2 ’242.61%Q2 ’252.97%Q2 ’26+0%+24%

Market Position · Madison, WI · 2026 SOD (annual) · 3.2% share · #11 of 41 inst. · $1.0B of $30.1B

Executive Summary

  • Earnings: ROA of 0.91%, up 22 bps year over year; NIM at 2.58%.
  • Asset quality: problem loans at 0.55% of loans (-94 bps YoY), with net charge-offs at 0.31%.
  • Capital: tier 1 leverage ratio of 14.70%, up 207 bps from a year ago.
  • Funding: loans stand at 117.73% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.91%+22 bps YoY

Net Interest Margin (YTD, annualized)

2.58%+54 bps YoY

Efficiency Ratio (YTD, annualized)

65.99%-262 bps YoY

Tier 1 Leverage Ratio

14.70%+207 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.68%0.74%0.80%0.87%0.91%+22 bps
Return on Equity6.20%6.62%6.87%6.53%6.82%+63 bps
Net Interest Margin2.04%2.10%2.19%2.54%2.58%+54 bps
Efficiency Ratio68.61%65.46%63.23%66.58%65.99%-262 bps
Non-Interest Burden0.85%0.78%0.73%1.04%1.05%+20 bps
Growth
Asset Growth (YoY)-2.56%-0.21%-3.45%-1.14%2.39%+494 bps
Loan Growth (YoY)1.86%4.03%1.68%2.43%0.30%-155 bps
Deposit Growth (YoY)18.16%-4.55%-12.79%-7.65%6.69%-1,147 bps
Asset Quality
Nonperforming Loans / Loans1.49%1.68%1.40%1.44%0.55%-94 bps
Net Charge-Offs / Loans0.38%0.30%0.36%0.07%0.31%-7 bps
Allowance / Loans1.00%1.13%1.28%1.34%1.29%+29 bps
Allowance Coverage of NPLs0.7x0.7x0.9x0.9x2.4x+1.7x
Capital
Tier 1 Leverage Ratio12.63%12.69%14.03%14.72%14.70%+207 bps
Total Risk-Based Capital14.74%15.13%16.83%16.83%17.02%+228 bps
Equity / Assets11.47%11.66%13.28%13.23%13.28%+181 bps
Liquidity & Funding
Loans / Deposits125.22%123.15%137.15%124.24%117.73%-749 bps
Liquid Assets / Assets2.41%2.54%2.65%2.68%2.96%+55 bps
CRE / Total Capitaln/a328%282%276%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

Bankers' Bank

Madison, WI · Cert 23537 · Peer group: banks $1B-$10B in assets (n=322-328) · Bankers Bcorp Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$1.5BAssets
$1.1BLoans
$951.9MDeposits
$195.1MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 85% of banks $1B-$10B in assets (rank 49 of 328).
  • Widest gap: net interest margin trails 92% of banks $1B-$10B in assets (rank 302 of 328).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.89%

Rank 252 of 328

Net Interest Margin

2.58%

Rank 302 of 328

Efficiency Ratio

65.99%

Rank 238 of 328

Equity / Assets

13.28%

Rank 49 of 328

Non-interest income vs. expense

$26.9M$41.7MINCOMEEXPENSE
Unfavorable gap of $14.8M · efficiency ratio beats 28% of banks $1B-$10B in assets
Bank 65.99%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.89%0.91%1.22%1.52%Beats 23%252 / 328
Return on Equity6.71%8.43%11.45%14.43%Beats 14%283 / 328
Net Interest Margin2.58%3.03%3.45%3.83%Beats 8%302 / 328
Efficiency Ratio65.99%51.61%59.56%67.53%Beats 28%238 / 328
Asset Quality
Nonperforming Loans / Loans0.55%0.24%0.51%1.03%Beats 48%170 / 322
Net Charge-Offs / Loans0.16%0.01%0.03%0.10%Beats 18%265 / 322
Capital
Tier 1 Capital Ratio15.86%11.75%13.15%15.47%Beats 78%73 / 328
Total Risk-Based Capital Ratio17.02%12.63%14.15%16.46%Beats 80%67 / 328
Equity / Assets13.28%9.15%10.33%12.01%Beats 85%49 / 328
Liquidity & Funding
Loans / Deposits117.73%76.63%87.92%95.36%98th pctl7 / 323
Loans / Assets76.31%65.18%74.15%79.98%60th pctl131 / 328
Brokered Deposits / Depositsn/aNot reported for this institution