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Bank of Alma

Alma, WI · Cert 26689 · Dairyland Bank Holding Corp.

State charter, non-member · FDIC · 4 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

97

Q2 2024Q2 2026peer median (50)

Asset Quality

62

Q2 2024Q2 2026peer median (50)

Profitability

67

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

100

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

Bank of Alma

Alma, WI · Cert 26689 · Dairyland Bank Holding Corp.

State charter, non-member · FDIC · 4 branches

Q2 2026

$339.5MAssets
$201.7MLoans
$166.3MDeposits
$172.2MEquity
Loan mix
95%RE $168.8M4%C&I $7.5M1%Consumer $1.2MQ2 2025Q2 2026
Deposit mix
69%Interest-bearing $115.6M31%Noninterest $50.7MQ2 2025Q2 2026

NIM

5.50%Q2 ’245.56%Q2 ’255.09%Q2 ’26+0%-8%

Non-interest income vs. expense

0.53%Q2 ’240.74%Q2 ’250.52%Q2 ’26+45%-35%

Market Position · Rochester, MN · 2026 SOD (annual) · 0.4% share · #30 of 34 inst. · $0.0B of $7.6B

23.7% Buffalo
9.5% Pepin
3.4% Wabasha

Executive Summary

  • Earnings: ROA of 3.16%, down 13 bps year over year; NIM at 4.28%.
  • Asset quality: problem loans at 0.97% of loans (-42 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 50.77%, up 109 bps from a year ago.
  • Funding: loans stand at 121.25% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

3.16%-13 bps YoY

Net Interest Margin (YTD, annualized)

4.28%-40 bps YoY

Efficiency Ratio (YTD, annualized)

12.03%-359 bps YoY

Tier 1 Leverage Ratio

50.77%+109 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.28%3.63%3.49%3.29%3.16%-13 bps
Return on Equity6.67%7.34%7.03%6.57%6.28%-39 bps
Net Interest Margin4.68%4.86%4.80%4.44%4.28%-40 bps
Efficiency Ratio15.62%11.07%11.63%11.70%12.03%-359 bps
Non-Interest Burden0.68%0.48%0.47%0.48%0.44%-24 bps
Growth
Asset Growth (YoY)7.42%6.66%5.40%5.17%4.38%-304 bps
Loan Growth (YoY)-6.78%-4.56%1.09%3.28%11.79%+1,857 bps
Deposit Growth (YoY)9.21%6.29%3.82%3.74%1.77%-744 bps
Asset Quality
Nonperforming Loans / Loans1.39%1.74%1.87%0.79%0.97%-42 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.63%1.60%1.49%1.47%1.46%-17 bps
Allowance Coverage of NPLs1.2x0.9x0.8x1.9x1.5x+0.3x
Capital
Tier 1 Leverage Ratio49.68%49.94%50.79%50.00%50.77%+109 bps
Total Risk-Based Capital49.68%49.94%50.79%50.00%79.15%+2,948 bps
Equity / Assets49.45%50.33%49.96%50.00%50.73%+128 bps
Liquidity & Funding
Loans / Deposits110.39%113.94%118.70%118.91%121.25%+1,086 bps
Liquid Assets / Assets42.68%42.21%39.47%39.63%38.86%-382 bps
CRE / Total Capitaln/a78.01%76.59%80.89%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

Bank of Alma

Alma, WI · Cert 26689 · Peer group: banks under $1B in assets in WI (n=110-113) · Dairyland Bank Holding Corp.

State charter, non-member · FDIC · 4 branches

Q2 2026

$339.5MAssets
$201.7MLoans
$166.3MDeposits
$172.2MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 100% of banks under $1B in assets in WI (rank 1 of 113).
  • Widest gap: return on equity trails 86% of banks under $1B in assets in WI (rank 97 of 113).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

3.14%

Rank 5 of 113

Net Interest Margin

4.28%

Rank 10 of 113

Efficiency Ratio

12.03%

Rank 1 of 113

Equity / Assets

50.73%

Rank 4 of 113

Non-interest income vs. expense

$0.3M$1.8MINCOMEEXPENSE
Unfavorable gap of $1.5M · efficiency ratio beats 100% of banks under $1B in assets in WI
Bank 12.03%Peer median 62.4%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets3.14%0.85%1.17%1.51%Beats 96%5 / 113
Return on Equity6.19%7.70%10.77%13.67%Beats 14%97 / 113
Net Interest Margin4.28%3.19%3.59%3.89%Beats 91%10 / 113
Efficiency Ratio12.03%54.61%62.43%71.88%Beats 100%1 / 113
Asset Quality
Nonperforming Loans / Loans0.97%0.03%0.24%0.91%Beats 24%85 / 110
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 100%37 / 110
Capital
Tier 1 Capital Ratio77.90%11.22%12.95%15.76%Beats 97%3 / 113
Total Risk-Based Capital Ratio79.15%11.57%13.59%16.73%Beats 97%3 / 113
Equity / Assets50.73%9.17%10.74%13.13%Beats 96%4 / 113
Liquidity & Funding
Loans / Deposits121.25%76.54%86.37%98.93%98th pctl2 / 112
Loans / Assets59.39%63.07%71.33%78.84%20th pctl90 / 113
Brokered Deposits / Depositsn/aNot reported for this institution