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Nekoosa Port Edwards State Bank

Nekoosa, WI · Cert 2482 · Nekoosa Port Edwards Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in WI3

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 in WI (n=110 to 113). 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

90

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

40

Q2 2024Q2 2026peer median (50)

Liquidity

56

Q2 2024Q2 2026peer median

Efficiency

91

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

Nekoosa Port Edwards State Bank

Nekoosa, WI · Cert 2482 · Nekoosa Port Edwards Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$286.5MAssets
$183.5MLoans
$243.5MDeposits
$41.2MEquity
Loan mix
91%RE $156.9M6%C&I $10.6M3%Consumer $5.2MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $200.9M18%Noninterest $42.6MQ2 2025Q2 2026

NIM

4.55%Q2 ’244.72%Q2 ’254.86%Q2 ’26+2%+7%

Non-interest income vs. expense

1.29%Q2 ’241.31%Q2 ’251.33%Q2 ’260%+9%

Executive Summary

  • Earnings: ROA of 1.39%, up 7 bps year over year; NIM at 2.94%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.06%, up 13 bps from a year ago.
  • Funding: loans stand at 75.34% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.39%+7 bps YoY

Net Interest Margin (YTD, annualized)

2.94%+19 bps YoY

Efficiency Ratio (YTD, annualized)

42.28%-101 bps YoY

Tier 1 Leverage Ratio

15.06%+13 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.32%1.35%1.40%1.41%1.39%+7 bps
Return on Equity9.57%9.71%10.03%9.99%9.81%+24 bps
Net Interest Margin2.75%2.79%2.87%2.86%2.94%+19 bps
Efficiency Ratio43.29%42.79%42.02%41.34%42.28%-101 bps
Non-Interest Burden1.04%1.08%1.09%1.07%1.13%+9 bps
Growth
Asset Growth (YoY)4.39%2.51%4.06%4.02%6.40%+201 bps
Loan Growth (YoY)4.76%3.55%5.94%6.61%4.62%-14 bps
Deposit Growth (YoY)3.95%1.95%3.48%3.50%6.33%+238 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans2.28%2.29%2.24%2.21%2.16%-12 bps
Allowance Coverage of NPLs2000.0x26.0xn/an/an/an/a
Capital
Tier 1 Leverage Ratio14.93%14.76%15.05%14.41%15.06%+13 bps
Total Risk-Based Capital28.02%28.76%28.82%28.93%29.66%+163 bps
Equity / Assets14.27%14.23%13.99%14.19%14.37%+9 bps
Liquidity & Funding
Loans / Deposits76.57%73.53%71.90%74.41%75.34%-123 bps
Liquid Assets / Assets22.42%25.80%26.71%25.27%26.09%+367 bps
CRE / Total Capitaln/a98.99%99.24%95.49%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

Nekoosa Port Edwards State Bank

Nekoosa, WI · Cert 2482 · Peer group: banks under $1B in assets in WI (n=110-113) · Nekoosa Port Edwards Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$286.5MAssets
$183.5MLoans
$243.5MDeposits
$41.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in WI (rank 16 of 110).
  • Widest gap: net interest margin trails 88% of banks under $1B in assets in WI (rank 99 of 113).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.39%

Rank 34 of 113

Net Interest Margin

2.94%

Rank 99 of 113

Efficiency Ratio

42.28%

Rank 11 of 113

Equity / Assets

14.37%

Rank 18 of 113

Non-interest income vs. expense

$0.6M$3.7MINCOMEEXPENSE
Unfavorable gap of $3.2M · efficiency ratio beats 91% of banks under $1B in assets in WI
Bank 42.28%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.39%0.85%1.17%1.51%Beats 70%34 / 113
Return on Equity9.69%7.70%10.77%13.67%Beats 38%70 / 113
Net Interest Margin2.94%3.19%3.59%3.89%Beats 12%99 / 113
Efficiency Ratio42.28%54.61%62.43%71.88%Beats 91%11 / 113
Asset Quality
Nonperforming Loans / Loans0.00%0.03%0.24%0.91%Beats 100%16 / 110
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 100%37 / 110
Capital
Tier 1 Capital Ratio28.39%11.22%12.95%15.76%Beats 93%8 / 113
Total Risk-Based Capital Ratio29.66%11.57%13.59%16.73%Beats 93%8 / 113
Equity / Assets14.37%9.17%10.74%13.13%Beats 84%18 / 113
Liquidity & Funding
Loans / Deposits75.34%76.54%86.37%98.93%23rd pctl86 / 112
Loans / Assets64.03%63.07%71.33%78.84%26th pctl84 / 113
Brokered Deposits / Depositsn/aNot reported for this institution