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Columbia Savings and Loan Association

Milwaukee, WI · Cert 28480

SL · FDIC · 1 branch

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=109 to 112). 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

7

Q2 2024Q2 2026peer median (50)

Profitability

28

Q2 2024Q2 2026peer median (50)

Liquidity

93

Q2 2024Q2 2026peer median

Efficiency

1

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

Columbia Savings and Loan Association

Milwaukee, WI · Cert 28480

SL · FDIC · 1 branch

Q2 2026

$20.6MAssets
$16.4MLoans
$19.3MDeposits
$1.1MEquity
Loan mix
98%RE $17.0M0%C&I $0.0M2%Consumer $0.3MQ2 2025Q2 2026
Deposit mix
100%Interest-bearing $19.3M0%Noninterest $0.0MQ2 2025Q2 2026

NIM

5.23%Q2 ’244.90%Q2 ’254.59%Q2 ’26-6%-9%

Non-interest income vs. expense

5.03%Q2 ’245.74%Q2 ’257.10%Q2 ’26+16%+29%

Market Position · Milwaukee-Waukesha, WI · 2026 SOD (annual) · 0.0% share · #42 of 43 inst. · $0.0B of $79.9B

Executive Summary

  • Earnings: ROA of -3.27%, down 216 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 19.47% of loans (+1,238 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 5.46%, down 258 bps from a year ago.
  • Funding: loans stand at 84.70% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-3.27%-216 bps YoY

Net Interest Margin (YTD, annualized)

4.03%-40 bps YoY

Efficiency Ratio (YTD, annualized)

176.02%+5,184 bps YoY

Tier 1 Leverage Ratio

5.46%-258 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.11%-1.21%-2.74%-3.59%-3.27%-216 bps
Return on Equity-12.50%-13.88%-32.72%-55.77%-53.32%-4,082 bps
Net Interest Margin4.42%4.55%4.73%3.81%4.03%-40 bps
Efficiency Ratio124.18%126.69%154.97%198.97%176.02%+5,184 bps
Non-Interest Burden5.51%5.78%7.40%7.59%7.09%+158 bps
Growth
Asset Growth (YoY)-2.49%-1.72%-10.32%-12.57%-13.24%-1,076 bps
Loan Growth (YoY)2.60%-5.13%-7.06%-11.48%-14.56%-1,716 bps
Deposit Growth (YoY)-0.95%0.22%-10.61%-10.17%-10.29%-933 bps
Asset Quality
Nonperforming Loans / Loans7.09%8.59%18.82%14.42%19.47%+1,238 bps
Net Charge-Offs / Loans0.34%0.28%0.21%-0.02%0.06%-28 bps
Allowance / Loans1.12%1.10%1.50%1.59%1.53%+41 bps
Allowance Coverage of NPLs0.2x0.1x0.1x0.1x0.1x-0.1x
Capital
Tier 1 Leverage Ratio8.04%7.90%6.84%6.30%5.46%-258 bps
Total Risk-Based Capital12.75%12.19%10.33%9.71%8.87%-388 bps
Equity / Assets8.61%8.39%6.82%6.04%5.49%-313 bps
Liquidity & Funding
Loans / Deposits88.94%88.98%93.90%87.45%84.70%-424 bps
Liquid Assets / Assets1.14%1.15%1.18%1.20%1.24%+11 bps
CRE / Total Capitaln/a366%414%404%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

Columbia Savings and Loan Association

Milwaukee, WI · Cert 28480 · Peer group: banks under $1B in assets in WI (n=109-112)

SL · FDIC · 1 branch

Q2 2026

$20.6MAssets
$16.4MLoans
$19.3MDeposits
$1.1MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 83% of banks under $1B in assets in WI (rank 19 of 112).
  • Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets in WI (rank 112 of 112).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

-3.36%

Rank 112 of 112

Net Interest Margin

4.03%

Rank 19 of 112

Efficiency Ratio

176.02%

Rank 112 of 112

Equity / Assets

5.49%

Rank 111 of 112

Non-interest income vs. expense

$0.0M$1.5MINCOMEEXPENSE
Unfavorable gap of $1.5M · efficiency ratio beats 1% of banks under $1B in assets in WI
Bank 176.02%Peer median 62.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-3.36%0.85%1.17%1.51%Beats 0%112 / 112
Return on Equity-61.17%7.87%10.91%13.85%Beats 0%112 / 112
Net Interest Margin4.03%3.19%3.59%3.89%Beats 83%19 / 112
Efficiency Ratio176.02%54.87%62.73%72.61%Beats 1%112 / 112
Asset Quality
Nonperforming Loans / Loans19.47%0.03%0.22%0.91%Beats 1%109 / 109
Net Charge-Offs / Loans0.03%n/a0.00%0.01%Beats 13%96 / 109
Capital
Tier 1 Capital Ratio7.62%11.22%12.95%15.76%Beats 0%112 / 112
Total Risk-Based Capital Ratio8.87%11.57%13.59%16.73%Beats 0%112 / 112
Equity / Assets5.49%9.17%10.74%13.13%Beats 1%111 / 112
Liquidity & Funding
Loans / Deposits84.70%75.89%86.36%98.49%45th pctl61 / 111
Loans / Assets79.55%64.03%71.52%78.98%77th pctl26 / 112
Brokered Deposits / Depositsn/aNot reported for this institution