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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 $2.7MQ2 2025Q2 2026
Deposit mix
93%Interest-bearing $75.5M7%Noninterest $5.9MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.61%0.55%0.64%0.97%0.85%+24 bps
Return on Equity3.27%3.00%3.53%5.50%4.89%+162 bps
Net Interest Margin3.55%3.51%3.29%3.72%3.54%0 bps
Efficiency Ratio77.22%79.43%76.73%70.24%71.88%-534 bps
Non-Interest Burden2.64%2.70%2.43%2.35%2.37%-27 bps
Growth
Asset Growth (YoY)-1.44%5.63%7.47%9.48%16.54%+1,798 bps
Loan Growth (YoY)8.01%4.42%7.96%8.55%9.75%+173 bps
Deposit Growth (YoY)-2.96%6.29%11.40%13.87%19.48%+2,244 bps
Asset Quality
Nonperforming Loans / Loans1.05%1.21%1.35%1.07%1.15%+10 bps
Net Charge-Offs / Loans0.10%0.07%0.05%0.00%0.00%-10 bps
Allowance / Loans2.23%2.23%2.14%2.14%2.16%-7 bps
Allowance Coverage of NPLs2.1x1.8x1.6x2.0x1.9x-0.2x
Capital
Tier 1 Leverage Ratio17.85%17.44%16.20%17.02%16.30%-156 bps
Total Risk-Based Capital17.85%17.44%16.20%17.02%16.30%-156 bps
Equity / Assets18.99%17.82%17.49%17.71%17.02%-197 bps
Liquidity & Funding
Loans / Deposits111.32%102.73%105.12%107.21%102.26%-907 bps
Liquid Assets / Assets8.66%14.28%11.88%10.55%14.20%+553 bps
CRE / Total Capitaln/a82.18%76.62%83.19%n/an/a