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Superior Savings Bank

Superior, WI · Cert 28790

SI · 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=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

80

Q2 2024Q2 2026peer median (50)

Asset Quality

61

Q2 2024Q2 2026peer median (50)

Profitability

25

Q2 2024Q2 2026peer median (50)

Liquidity

23

Q2 2024Q2 2026peer median

Efficiency

26

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

Superior Savings Bank

Superior, WI · Cert 28790

SI · FDIC · 1 branch

Q2 2026

$98.8MAssets
$83.3MLoans
$81.4MDeposits
$16.8MEquity
Loan mix
90%RE $74.4M6%C&I $5.3M3%Consumer $2.7MQ3 2024Q2 2026
Deposit mix
93%Interest-bearing $75.5M7%Noninterest $5.9MQ3 2024Q2 2026

Market Position · Duluth, MN-WI · 2026 SOD (annual) · 1.2% share · #14 of 26 inst. · $0.1B of $6.6B

Executive Summary

  • Earnings: ROA of 0.85%, up 24 bps year over year; NIM at 3.54%.
  • Asset quality: problem loans at 1.15% of loans (+10 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 16.30%, down 156 bps from a year ago.
  • Funding: loans stand at 102.26% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.85%+24 bps YoY

Net Interest Margin (YTD, annualized)

3.54%0 bps YoY

Efficiency Ratio (YTD, annualized)

71.88%-534 bps YoY

Tier 1 Leverage Ratio

16.30%-156 bps YoY

NIM

4.83%Q2 ’245.01%Q2 ’254.94%Q2 ’26-2%0%

Non-interest income vs. expense

3.06%Q2 ’243.08%Q2 ’253.00%Q2 ’26+2%-10%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.71%0.74%0.48%0.61%0.55%0.64%0.97%0.85%+24 bps
Return on Equity3.97%4.16%2.59%3.27%3.00%3.53%5.50%4.89%+162 bps
Net Interest Margin3.42%3.52%3.41%3.55%3.51%3.29%3.72%3.54%0 bps
Efficiency Ratio74.20%73.57%80.47%77.22%79.43%76.73%70.24%71.88%-534 bps
Non-Interest Burden2.42%2.46%2.65%2.64%2.70%2.43%2.35%2.37%-27 bps
Growth
Asset Growth (YoY)0.87%-1.55%-0.12%-1.44%5.63%7.47%9.48%16.54%+1,798 bps
Loan Growth (YoY)12.62%11.71%8.47%8.01%4.42%7.96%8.55%9.75%+173 bps
Deposit Growth (YoY)0.02%-5.40%-3.78%-2.96%6.29%11.40%13.87%19.48%+2,244 bps
Asset Quality
Nonperforming Loans / Loans1.24%1.44%1.25%1.05%1.21%1.35%1.07%1.15%+10 bps
Net Charge-Offs / Loans-0.01%0.00%0.21%0.10%0.07%0.05%0.00%0.00%-10 bps
Allowance / Loans2.23%2.23%2.18%2.23%2.23%2.14%2.14%2.16%-7 bps
Allowance Coverage of NPLs1.8x1.6x1.7x2.1x1.8x1.6x2.0x1.9x-0.2x
Capital
Tier 1 Leverage Ratio16.97%17.20%17.90%17.85%17.44%16.20%17.02%16.30%-156 bps
Total Risk-Based Capital16.97%17.20%17.90%17.85%17.44%16.20%17.02%16.30%-156 bps
Equity / Assets18.19%18.14%18.59%18.99%17.82%17.49%17.71%17.02%-197 bps
Liquidity & Funding
Loans / Deposits104.57%108.48%112.47%111.32%102.73%105.12%107.21%102.26%-907 bps
Liquid Assets / Assets13.22%12.18%9.71%8.66%14.28%11.88%10.55%14.20%+553 bps
CRE / Total Capitaln/an/an/an/a82.18%76.62%83.19%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

Superior Savings Bank

Superior, WI · Cert 28790 · Peer group: banks under $1B in assets in WI (n=110-113)

SI · FDIC · 1 branch

Q2 2026

$98.8MAssets
$83.3MLoans
$81.4MDeposits
$16.8MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in WI (rank 37 of 110).
  • Widest gap: return on equity trails 90% of banks under $1B in assets in WI (rank 102 of 113).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.82%

Rank 90 of 113

Net Interest Margin

3.54%

Rank 61 of 113

Efficiency Ratio

71.88%

Rank 85 of 113

Equity / Assets

17.02%

Rank 11 of 113

Non-interest income vs. expense

$0.7M$3.1MINCOMEEXPENSE
Unfavorable gap of $2.4M · efficiency ratio beats 26% of banks under $1B in assets in WI
Bank 71.88%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.82%0.85%1.17%1.51%Beats 20%90 / 113
Return on Equity4.83%7.70%10.77%13.67%Beats 10%102 / 113
Net Interest Margin3.54%3.19%3.59%3.89%Beats 46%61 / 113
Efficiency Ratio71.88%54.61%62.43%71.88%Beats 26%85 / 113
Asset Quality
Nonperforming Loans / Loans1.15%0.03%0.24%0.91%Beats 21%88 / 110
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 100%37 / 110
Capital
Tier 1 Capital Ratio16.30%11.22%12.95%15.76%Beats 77%26 / 113
Total Risk-Based Capital Ratio16.30%11.57%13.59%16.73%Beats 72%32 / 113
Equity / Assets17.02%9.17%10.74%13.13%Beats 90%11 / 113
Liquidity & Funding
Loans / Deposits102.26%76.54%86.37%98.93%82nd pctl20 / 112
Loans / Assets84.32%63.07%71.33%78.84%88th pctl13 / 113
Brokered Deposits / Depositsn/aNot reported for this institution