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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 $1.3MQ3 2024Q2 2026
Deposit mix
93%Interest-bearing $279.0M7%Noninterest $22.3MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.10%-0.10%-0.02%0.03%10.09%0.13%0.03%0.17%+15 bps
Return on Equity-0.77%-0.76%-0.18%0.22%0.70%0.98%0.20%1.25%+103 bps
Net Interest Margin1.82%1.87%1.98%2.06%2.09%2.13%2.36%2.42%+36 bps
Efficiency Ratio109.77%109.29%109.50%105.08%101.07%98.82%97.09%93.96%-1,112 bps
Non-Interest Burden2.06%2.09%2.21%2.19%2.11%2.09%2.26%2.23%+4 bps
Growth
Asset Growth (YoY)3.06%1.23%1.53%0.89%1.36%2.70%2.85%2.87%+197 bps
Loan Growth (YoY)0.35%-1.23%2.49%4.49%11.87%15.11%9.84%11.41%+693 bps
Deposit Growth (YoY)1.38%4.34%3.48%1.40%2.24%1.54%-0.19%-1.06%-246 bps
Asset Quality
Nonperforming Loans / Loans0.38%0.40%0.41%0.35%0.33%0.30%0.33%0.33%-2 bps
Net Charge-Offs / Loans0.01%0.02%0.02%0.01%0.01%0.00%0.00%0.00%0 bps
Allowance / Loans1.40%1.22%1.18%1.14%1.09%1.07%1.07%1.02%-12 bps
Allowance Coverage of NPLs3.6x3.1x2.9x3.3x3.3x3.6x3.3x3.1x-0.2x
Capital
Tier 1 Leverage Ratio16.37%16.14%16.05%16.14%15.96%15.70%15.34%15.44%-70 bps
Total Risk-Based Capital16.37%16.14%16.05%16.14%15.96%15.70%15.34%15.44%-70 bps
Equity / Assets13.59%13.04%13.28%13.42%13.64%13.88%13.87%13.95%+53 bps
Liquidity & Funding
Loans / Deposits72.98%71.48%74.49%76.83%79.86%81.03%81.97%86.51%+969 bps
Liquid Assets / Assets4.02%1.06%0.41%0.68%0.32%0.41%2.27%0.46%-22 bps
CRE / Total Capitaln/an/an/an/a170.22%181.97%176.94%n/an/a