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Equitable Bank, S.S.B., The

Wauwatosa, WI · Cert 28614 · Teb MHC

SI · FDIC · 6 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

17

Q2 2024Q2 2026peer median (50)

Asset Quality

86

Q2 2024Q2 2026peer median (50)

Profitability

8

Q2 2024Q2 2026peer median (50)

Liquidity

39

Q2 2024Q2 2026peer median

Efficiency

4

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

Equitable Bank, S.S.B., The

Wauwatosa, WI · Cert 28614 · Teb MHC

SI · FDIC · 6 branches

Q2 2026

$327.1MAssets
$286.0MLoans
$289.1MDeposits
$30.6MEquity
Loan mix
99%RE $283.5M1%C&I $3.6M0%Consumer $0.1MQ3 2024Q2 2026
Deposit mix
86%Interest-bearing $249.3M14%Noninterest $39.8MQ3 2024Q2 2026

Market Position · Milwaukee-Waukesha, WI · 2026 SOD (annual) · 0.3% share · #28 of 43 inst. · $0.2B of $79.9B

0.4% Milwaukee
0.9% Racine
0.2% Waukesha

Executive Summary

  • Earnings: ROA of 0.31%, up 76 bps year over year; NIM at 2.97%.
  • Asset quality: problem loans at 0.05% of loans (-9 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.70%, up 3 bps from a year ago.
  • Funding: loans stand at 98.93% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.31%+76 bps YoY

Net Interest Margin (YTD, annualized)

2.97%+39 bps YoY

Efficiency Ratio (YTD, annualized)

99.90%-1,431 bps YoY

Tier 1 Leverage Ratio

9.70%+3 bps YoY

NIM

4.42%Q2 ’244.48%Q2 ’254.70%Q2 ’26+18%+15%

Non-interest income vs. expense

3.55%Q2 ’243.62%Q2 ’253.77%Q2 ’260%-2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.59%-0.53%-0.75%-0.45%-0.29%-0.14%0.45%0.31%+76 bps
Return on Equity-7.02%-6.29%-8.69%-5.21%-3.37%-1.60%5.11%3.43%+864 bps
Net Interest Margin2.22%2.29%2.39%2.59%2.63%2.66%2.84%2.97%+39 bps
Efficiency Ratio123.51%120.07%125.87%114.21%109.02%104.16%104.47%99.90%-1,431 bps
Non-Interest Burden2.90%2.88%3.15%3.04%2.93%2.81%3.00%2.99%-5 bps
Growth
Asset Growth (YoY)-3.93%-7.65%-6.38%-3.63%-2.23%3.62%2.99%0.69%+432 bps
Loan Growth (YoY)-3.31%-6.64%-6.18%-3.01%-0.69%4.40%3.10%0.66%+366 bps
Deposit Growth (YoY)-6.58%-8.44%-8.68%-4.98%-3.56%-1.10%5.13%-0.80%+417 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.16%0.25%0.14%0.33%0.09%0.10%0.05%-9 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.04%0.03%0.02%0.00%0.00%-4 bps
Allowance / Loans0.92%0.96%0.96%0.92%0.90%0.90%0.73%0.74%-18 bps
Allowance Coverage of NPLs8.1x5.9x3.9x6.4x2.8x10.4x7.2x15.1x+8.6x
Capital
Tier 1 Leverage Ratio9.56%9.56%9.68%9.67%9.49%9.36%9.51%9.70%+3 bps
Total Risk-Based Capital9.56%9.56%9.68%9.67%9.49%9.36%9.51%9.70%+3 bps
Equity / Assets8.69%8.64%8.69%8.57%8.67%8.68%8.87%9.36%+79 bps
Liquidity & Funding
Loans / Deposits97.79%96.03%98.89%97.50%100.70%101.36%96.98%98.93%+144 bps
Liquid Assets / Assets0.41%0.73%0.02%0.21%0.00%0.19%0.28%0.65%+45 bps
CRE / Total Capitaln/an/an/an/a455%459%449%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

Equitable Bank, S.S.B., The

Wauwatosa, WI · Cert 28614 · Peer group: banks under $1B in assets in WI (n=110-113) · Teb MHC

SI · FDIC · 6 branches

Q2 2026

$327.1MAssets
$286.0MLoans
$289.1MDeposits
$30.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in WI (rank 37 of 110).
  • Widest gap: efficiency ratio trails 96% of banks under $1B in assets in WI (rank 110 of 113).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.31%

Rank 107 of 113

Net Interest Margin

2.97%

Rank 96 of 113

Efficiency Ratio

99.90%

Rank 110 of 113

Equity / Assets

9.36%

Rank 79 of 113

Non-interest income vs. expense

$2.5M$12.3MINCOMEEXPENSE
Unfavorable gap of $9.7M · efficiency ratio beats 4% of banks under $1B in assets in WI
Bank 99.90%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.31%0.85%1.17%1.51%Beats 5%107 / 113
Return on Equity3.31%7.70%10.77%13.67%Beats 5%107 / 113
Net Interest Margin2.97%3.19%3.59%3.89%Beats 15%96 / 113
Efficiency Ratio99.90%54.61%62.43%71.88%Beats 4%110 / 113
Asset Quality
Nonperforming Loans / Loans0.05%0.03%0.24%0.91%Beats 71%33 / 110
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 100%37 / 110
Capital
Tier 1 Capital Ratio9.70%11.22%12.95%15.76%Beats 11%101 / 113
Total Risk-Based Capital Ratio9.70%11.57%13.59%16.73%Beats 10%102 / 113
Equity / Assets9.36%9.17%10.74%13.13%Beats 30%79 / 113
Liquidity & Funding
Loans / Deposits98.93%76.54%86.37%98.93%75th pctl28 / 112
Loans / Assets87.43%63.07%71.33%78.84%98th pctl2 / 113
Brokered Deposits / Depositsn/aNot reported for this institution