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Fox Valley Savings Bank

Fond Du Lac, WI · Cert 29188 · FVSB Mutual Bcorp MHC

SI · FDIC · 3 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

74

Q2 2024Q2 2026peer median (50)

Asset Quality

45

Q2 2024Q2 2026peer median (50)

Profitability

4

Q2 2024Q2 2026peer median (50)

Liquidity

99

Q2 2024Q2 2026peer median

Efficiency

6

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

Fox Valley Savings Bank

Fond Du Lac, WI · Cert 29188 · FVSB Mutual Bcorp MHC

SI · FDIC · 3 branches

Q2 2026

$387.3MAssets
$260.7MLoans
$301.3MDeposits
$54.0MEquity
Loan mix
99%RE $236.6M0%C&I $1.1M1%Consumer $1.3MQ2 2025Q2 2026
Deposit mix
93%Interest-bearing $279.0M7%Noninterest $22.3MQ2 2025Q2 2026

NIM

3.52%Q2 ’243.74%Q2 ’253.96%Q2 ’26+13%+18%

Non-interest income vs. expense

2.62%Q2 ’242.72%Q2 ’252.84%Q2 ’26+6%+2%

Market Position · Fond du Lac, WI · 2026 SOD (annual) · 6.7% share · #5 of 11 inst. · $0.2B of $2.9B

6.7% Fond du Lac
4.4% Dodge
1.5% Winnebago

Executive Summary

  • Earnings: ROA of 0.17%, up 15 bps year over year; NIM at 2.42%.
  • Asset quality: problem loans at 0.33% of loans (-2 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.44%, down 70 bps from a year ago.
  • Funding: loans stand at 86.51% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.17%+15 bps YoY

Net Interest Margin (YTD, annualized)

2.42%+36 bps YoY

Efficiency Ratio (YTD, annualized)

93.96%-1,112 bps YoY

Tier 1 Leverage Ratio

15.44%-70 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.03%10.09%0.13%0.03%0.17%+15 bps
Return on Equity0.22%0.70%0.98%0.20%1.25%+103 bps
Net Interest Margin2.06%2.09%2.13%2.36%2.42%+36 bps
Efficiency Ratio105.08%101.07%98.82%97.09%93.96%-1,112 bps
Non-Interest Burden2.19%2.11%2.09%2.26%2.23%+4 bps
Growth
Asset Growth (YoY)0.89%1.36%2.70%2.85%2.87%+197 bps
Loan Growth (YoY)4.49%11.87%15.11%9.84%11.41%+693 bps
Deposit Growth (YoY)1.40%2.24%1.54%-0.19%-1.06%-246 bps
Asset Quality
Nonperforming Loans / Loans0.35%0.33%0.30%0.33%0.33%-2 bps
Net Charge-Offs / Loans0.01%0.01%0.00%0.00%0.00%0 bps
Allowance / Loans1.14%1.09%1.07%1.07%1.02%-12 bps
Allowance Coverage of NPLs3.3x3.3x3.6x3.3x3.1x-0.2x
Capital
Tier 1 Leverage Ratio16.14%15.96%15.70%15.34%15.44%-70 bps
Total Risk-Based Capital16.14%15.96%15.70%15.34%15.44%-70 bps
Equity / Assets13.42%13.64%13.88%13.87%13.95%+53 bps
Liquidity & Funding
Loans / Deposits76.83%79.86%81.03%81.97%86.51%+969 bps
Liquid Assets / Assets0.68%0.32%0.41%2.27%0.46%-22 bps
CRE / Total Capitaln/a170.22%181.97%176.94%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. 1 One-time gains made up most of net income in the marked periods.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Fox Valley Savings Bank

Fond Du Lac, WI · Cert 29188 · Peer group: banks under $1B in assets in WI (n=110-113) · FVSB Mutual Bcorp MHC

SI · FDIC · 3 branches

Q2 2026

$387.3MAssets
$260.7MLoans
$301.3MDeposits
$54.0MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 81% of banks under $1B in assets in WI (rank 22 of 113).
  • Widest gap: net interest margin trails 96% of banks under $1B in assets in WI (rank 108 of 113).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.17%

Rank 108 of 113

Net Interest Margin

2.42%

Rank 108 of 113

Efficiency Ratio

93.96%

Rank 107 of 113

Equity / Assets

13.95%

Rank 22 of 113

Non-interest income vs. expense

$2.4M$11.1MINCOMEEXPENSE
Unfavorable gap of $8.7M · efficiency ratio beats 6% of banks under $1B in assets in WI
Bank 93.96%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.17%0.85%1.17%1.51%Beats 4%108 / 113
Return on Equity1.25%7.70%10.77%13.67%Beats 4%108 / 113
Net Interest Margin2.42%3.19%3.59%3.89%Beats 4%108 / 113
Efficiency Ratio93.96%54.61%62.43%71.88%Beats 6%107 / 113
Asset Quality
Nonperforming Loans / Loans0.33%0.03%0.24%0.91%Beats 42%65 / 110
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 47%59 / 110
Capital
Tier 1 Capital Ratio15.44%11.22%12.95%15.76%Beats 73%31 / 113
Total Risk-Based Capital Ratio15.44%11.57%13.59%16.73%Beats 69%35 / 113
Equity / Assets13.95%9.17%10.74%13.13%Beats 81%22 / 113
Liquidity & Funding
Loans / Deposits86.51%76.54%86.37%98.93%51st pctl55 / 112
Loans / Assets67.31%63.07%71.33%78.84%38th pctl70 / 113
Brokered Deposits / Depositsn/aNot reported for this institution