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Connect Community Bank

Raymond, WA · Cert 28266

SI · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets (n=581 to 629). 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

0

Q2 2024Q2 2026peer median (50)

Asset Quality

40

Q2 2024Q2 2026peer median (50)

Profitability

7

Q2 2024Q2 2026peer median (50)

Liquidity

87

Q2 2024Q2 2026peer median

Efficiency

3

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

Connect Community Bank

Raymond, WA · Cert 28266

SI · FDIC · 2 branches

Q2 2026

$72.7MAssets
$58.3MLoans
$69.7MDeposits
$2.7MEquity
Loan mix
96%RE $57.0M1%C&I $0.7M3%Consumer $1.8MQ3 2024Q2 2026
Deposit mix
95%Interest-bearing $66.3M5%Noninterest $3.4MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of -1.73%, up 4 bps year over year; NIM at 2.89%.
  • Asset quality: problem loans at 0.15% of loans (+15 bps YoY), with net charge-offs at 0.30%.
  • Capital: tier 1 leverage ratio of 3.61%, down 187 bps from a year ago.
  • Funding: loans stand at 83.67% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

-1.73%+4 bps YoY

Net Interest Margin (YTD, annualized)

2.89%+28 bps YoY

Efficiency Ratio (YTD, annualized)

153.48%-687 bps YoY

Tier 1 Leverage Ratio

3.61%-187 bps YoY

NIM

4.12%Q2 ’244.38%Q2 ’254.56%Q2 ’26+23%+11%

Non-interest income vs. expense

4.04%Q2 ’244.51%Q2 ’254.67%Q2 ’26+10%+5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.84%-1.76%-2.21%-1.76%-1.71%-1.56%-1.76%-1.73%+4 bps
Return on Equity-25.81%-25.19%-36.19%-29.93%-30.24%-29.05%-42.18%-43.15%-1,322 bps
Net Interest Margin2.22%2.37%2.48%2.61%2.67%2.62%2.98%2.89%+28 bps
Efficiency Ratio184.43%176.97%179.20%160.35%156.83%152.46%148.55%153.48%-687 bps
Non-Interest Burden4.24%4.37%4.64%4.31%4.30%4.09%4.51%4.52%+21 bps
Growth
Asset Growth (YoY)5.01%-2.51%-5.84%-9.93%-1.90%9.44%8.63%4.26%+1,419 bps
Loan Growth (YoY)4.35%-0.49%-3.42%1.14%2.53%2.01%2.07%-2.90%-404 bps
Deposit Growth (YoY)16.87%13.20%10.23%-2.49%-6.61%10.21%22.64%22.90%+2,539 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.17%0.18%0.15%+15 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.30%+30 bps
Allowance / Loans1.04%1.02%1.04%1.04%1.04%1.05%1.13%1.00%-3 bps
Allowance Coverage of NPLsn/an/an/an/an/a6.0x6.1x6.9xn/a
Capital
Tier 1 Leverage Ratio6.36%6.31%5.78%5.48%4.97%4.50%3.99%3.61%-187 bps
Total Risk-Based Capital14.42%13.17%12.24%11.97%11.05%10.31%9.65%8.91%-306 bps
Equity / Assets6.52%6.30%5.92%5.46%5.00%4.31%4.02%3.66%-179 bps
Liquidity & Funding
Loans / Deposits96.90%100.23%101.20%105.90%106.39%92.78%84.22%83.67%-2,223 bps
Liquid Assets / Assets15.95%14.48%12.56%11.75%12.06%20.07%18.63%18.77%+703 bps
CRE / Total Capitaln/an/an/an/a59.58%75.48%81.71%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

Connect Community Bank

Raymond, WA · Cert 28266 · Peer group: banks under $1B in assets (n=581-629)

SI · FDIC · 2 branches

Q2 2026

$72.7MAssets
$58.3MLoans
$69.7MDeposits
$2.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 70% of banks under $1B in assets (rank 175 of 581).
  • Widest gap: equity / assets trails 100% of banks under $1B in assets (rank 628 of 629).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

-1.77%

Rank 609 of 629

Net Interest Margin

2.89%

Rank 507 of 629

Efficiency Ratio

153.48%

Rank 613 of 629

Equity / Assets

3.66%

Rank 628 of 629

Non-interest income vs. expense

$0.1M$3.4MINCOMEEXPENSE
Unfavorable gap of $3.3M · efficiency ratio beats 3% of banks under $1B in assets
Bank 153.48%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets-1.77%0.60%1.01%1.45%Beats 3%609 / 629
Return on Equity-48.31%5.38%9.30%13.28%Beats 0%626 / 629
Net Interest Margin2.89%3.03%3.54%4.05%Beats 19%507 / 629
Efficiency Ratio153.48%58.35%67.79%79.08%Beats 3%613 / 629
Asset Quality
Nonperforming Loans / Loans0.15%0.09%0.46%1.20%Beats 70%175 / 581
Net Charge-Offs / Loans0.15%n/a0.01%0.06%Beats 10%523 / 581
Capital
Tier 1 Capital Ratio7.66%11.24%13.84%18.77%Beats 0%628 / 629
Total Risk-Based Capital Ratio8.91%11.58%14.43%19.66%Beats 1%623 / 629
Equity / Assets3.66%9.09%10.65%13.80%Beats 0%628 / 629
Liquidity & Funding
Loans / Deposits83.67%67.24%80.90%93.48%54th pctl275 / 594
Loans / Assets80.29%53.31%67.71%78.15%82nd pctl115 / 629
Brokered Deposits / Depositsn/aNot reported for this institution