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Westbury Bank

Waukesha, WI · Cert 28400 · Westbury Bcorp Inc.

State charter, non-member · FDIC · 9 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

28

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

42

Q2 2024Q2 2026peer median (50)

Liquidity

70

Q2 2024Q2 2026peer median

Efficiency

16

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

Westbury Bank

Waukesha, WI · Cert 28400 · Westbury Bcorp Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$771.9MAssets
$549.3MLoans
$698.0MDeposits
$64.5MEquity
Loan mix
87%RE $452.6M12%C&I $64.3M1%Consumer $3.1MQ2 2025Q2 2026
Deposit mix
67%Interest-bearing $469.3M33%Noninterest $228.6MQ2 2025Q2 2026

NIM

4.21%Q2 ’244.33%Q2 ’254.41%Q2 ’26+9%+7%

Non-interest income vs. expense

2.60%Q2 ’242.87%Q2 ’253.59%Q2 ’26+14%+23%

Market Position · Milwaukee-Waukesha, WI · 2026 SOD (annual) · 0.9% share · #17 of 43 inst. · $0.7B of $79.9B

13.9% Washington
0.9% Waukesha

Executive Summary

  • Earnings: ROA of 0.80%, down 22 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 9.20%, down 63 bps from a year ago.
  • Funding: loans stand at 78.71% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.80%-22 bps YoY

Net Interest Margin (YTD, annualized)

3.86%+26 bps YoY

Efficiency Ratio (YTD, annualized)

78.61%+895 bps YoY

Tier 1 Leverage Ratio

9.20%-63 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.02%1.00%0.94%0.72%0.80%-22 bps
Return on Equity11.01%10.95%10.59%8.79%9.68%-132 bps
Net Interest Margin3.60%3.63%3.76%3.80%3.86%+26 bps
Efficiency Ratio69.66%70.50%72.77%81.10%78.61%+895 bps
Non-Interest Burden2.35%2.40%2.58%2.94%2.89%+54 bps
Growth
Asset Growth (YoY)-1.38%-2.22%-3.06%-5.28%-4.25%-286 bps
Loan Growth (YoY)-9.39%-12.00%-10.69%-12.47%-5.50%+389 bps
Deposit Growth (YoY)-1.16%-1.57%-1.90%-4.00%-3.72%-257 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.03%0.02%0.01%-0.01%0.03%-1 bps
Allowance / Loans1.03%1.09%1.09%1.14%1.08%+5 bps
Allowance Coverage of NPLsn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.84%9.65%8.97%9.23%9.20%-63 bps
Total Risk-Based Capital13.51%13.78%12.65%13.42%12.80%-71 bps
Equity / Assets8.83%8.73%8.05%8.33%8.35%-48 bps
Liquidity & Funding
Loans / Deposits80.19%76.27%76.67%74.62%78.71%-148 bps
Liquid Assets / Assets9.92%13.88%11.87%14.82%10.87%+95 bps
CRE / Total Capitaln/a455%481%457%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

Westbury Bank

Waukesha, WI · Cert 28400 · Peer group: banks under $1B in assets in WI (n=110-113) · Westbury Bcorp Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$771.9MAssets
$549.3MLoans
$698.0MDeposits
$64.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in WI (rank 16 of 110).
  • Widest gap: equity / assets trails 85% of banks under $1B in assets in WI (rank 96 of 113).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.81%

Rank 91 of 113

Net Interest Margin

3.86%

Rank 34 of 113

Efficiency Ratio

78.61%

Rank 96 of 113

Equity / Assets

8.35%

Rank 96 of 113

Non-interest income vs. expense

$5.5M$27.9MINCOMEEXPENSE
Unfavorable gap of $22.5M · efficiency ratio beats 16% of banks under $1B in assets in WI
Bank 78.61%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.81%0.85%1.17%1.51%Beats 19%91 / 113
Return on Equity9.68%7.70%10.77%13.67%Beats 37%71 / 113
Net Interest Margin3.86%3.19%3.59%3.89%Beats 70%34 / 113
Efficiency Ratio78.61%54.61%62.43%71.88%Beats 16%96 / 113
Asset Quality
Nonperforming Loans / Loans0.00%0.03%0.24%0.91%Beats 100%16 / 110
Net Charge-Offs / Loans0.02%n/a0.00%0.01%Beats 18%91 / 110
Capital
Tier 1 Capital Ratio11.76%11.22%12.95%15.76%Beats 30%79 / 113
Total Risk-Based Capital Ratio12.80%11.57%13.59%16.73%Beats 39%69 / 113
Equity / Assets8.35%9.17%10.74%13.13%Beats 15%96 / 113
Liquidity & Funding
Loans / Deposits78.71%76.54%86.37%98.93%31st pctl77 / 112
Loans / Assets71.17%63.07%71.33%78.84%49th pctl58 / 113
Brokered Deposits / Depositsn/aNot reported for this institution