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Prevail Bank

Medford, WI · Cert 29294 · Prevail Mutual Holdings Inc.

State savings bank · OCC · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

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 $1B-$10B in assets operating in a single state (n=257 to 258). 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

54

Q2 2024Q2 2026peer median (50)

Asset Quality

79

Q2 2024Q2 2026peer median (50)

Profitability

6

Q2 2024Q2 2026peer median (50)

Liquidity

54

Q2 2024Q2 2026peer median

Efficiency

9

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

Prevail Bank

Medford, WI · Cert 29294 · Prevail Mutual Holdings Inc.

State savings bank · OCC · 9 branches

Q2 2026

$1.0BAssets
$743.0MLoans
$786.8MDeposits
$136.4MEquity
Loan mix
93%RE $688.2M6%C&I $43.4M2%Consumer $11.3MQ3 2024Q2 2026
Deposit mix
90%Interest-bearing $706.5M10%Noninterest $80.2MQ3 2024Q2 2026

Market Position · Wausau, WI · 2026 SOD (annual) · 0.7% share · #14 of 17 inst. · $0.0B of $5.4B

9.4% Wood
26.2% Taylor
4.2% Sauk
32.5% Price

Executive Summary

  • Earnings: ROA of 0.45%, up 28 bps year over year; NIM at 2.57%.
  • Asset quality: problem loans at 0.20% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.60%, down 10 bps from a year ago.
  • Funding: loans stand at 94.44% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.45%+28 bps YoY

Net Interest Margin (YTD, annualized)

2.57%+52 bps YoY

Efficiency Ratio (YTD, annualized)

79.68%-926 bps YoY

Tier 1 Leverage Ratio

12.60%-10 bps YoY

NIM

3.91%Q2 ’244.09%Q2 ’254.49%Q2 ’26+20%+26%

Non-interest income vs. expense

1.86%Q2 ’241.99%Q2 ’252.21%Q2 ’26+7%+11%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.01%0.06%0.07%0.17%0.27%0.36%0.26%0.45%+28 bps
Return on Equity0.05%0.48%0.54%1.31%2.04%2.70%1.93%3.36%+205 bps
Net Interest Margin1.75%1.80%1.97%2.04%2.16%2.23%2.49%2.57%+52 bps
Efficiency Ratio96.63%94.32%95.18%88.95%83.05%79.38%87.74%79.68%-926 bps
Non-Interest Burden1.66%1.65%1.83%1.76%1.72%1.69%2.12%1.96%+20 bps
Growth
Asset Growth (YoY)0.61%0.65%2.17%2.18%2.85%1.55%4.22%5.55%+337 bps
Loan Growth (YoY)7.66%1.82%6.55%8.95%7.14%7.73%8.21%4.34%-462 bps
Deposit Growth (YoY)-1.08%3.36%10.70%7.44%4.63%0.63%0.38%5.50%-193 bps
Asset Quality
Nonperforming Loans / Loans0.13%0.12%0.23%0.20%0.16%0.16%0.15%0.20%0 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.01%0.01%0.01%0.01%0.00%0 bps
Allowance / Loans1.03%1.06%1.07%1.08%1.12%1.16%1.15%1.19%+11 bps
Allowance Coverage of NPLs7.9x8.9x4.7x5.3x6.9x7.2x7.8x5.9x+0.6x
Capital
Tier 1 Leverage Ratio12.87%12.87%12.86%12.69%12.71%12.82%12.63%12.60%-10 bps
Total Risk-Based Capital20.45%20.06%12.86%12.69%12.71%12.82%12.63%12.60%-10 bps
Equity / Assets13.40%12.95%12.95%13.08%13.42%13.73%13.19%13.26%+18 bps
Liquidity & Funding
Loans / Deposits94.82%91.10%92.05%95.50%97.10%97.54%99.23%94.44%-106 bps
Liquid Assets / Assets0.67%2.69%1.60%0.36%0.65%0.35%0.58%2.90%+254 bps
CRE / Total Capitaln/an/an/an/a298%304%331%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

Prevail Bank

Medford, WI · Cert 29294 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Prevail Mutual Holdings Inc.

State savings bank · OCC · 9 branches

Q2 2026

$1.0BAssets
$743.0MLoans
$786.8MDeposits
$136.4MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 87% of banks $1B-$10B in assets operating in a single state (rank 33 of 258).
  • Widest gap: return on equity trails 95% of banks $1B-$10B in assets operating in a single state (rank 246 of 258).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.44%

Rank 246 of 258

Net Interest Margin

2.57%

Rank 240 of 258

Efficiency Ratio

79.68%

Rank 235 of 257

Equity / Assets

13.26%

Rank 33 of 258

Non-interest income vs. expense

$2.6M$23.0MINCOMEEXPENSE
Unfavorable gap of $20.4M · efficiency ratio beats 9% of banks $1B-$10B in assets operating in a single state
Bank 79.68%Peer median 60.3%Q1 2026Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.44%0.93%1.23%1.54%Beats 5%246 / 258
Return on Equity3.32%9.26%11.84%14.74%Beats 5%246 / 258
Net Interest Margin2.57%3.16%3.49%3.88%Beats 7%240 / 258
Efficiency Ratio79.68%51.71%60.30%69.65%Beats 9%235 / 257
Asset Quality
Nonperforming Loans / Loans0.20%0.19%0.46%0.90%Beats 74%69 / 258
Net Charge-Offs / Loans0.00%0.01%0.02%0.07%Beats 83%45 / 258
Capital
Tier 1 Capital Ratio12.60%11.41%12.98%15.12%Beats 43%146 / 258
Total Risk-Based Capital Ratio12.60%12.10%13.91%16.08%Beats 33%174 / 258
Equity / Assets13.26%9.09%10.24%11.72%Beats 87%33 / 258
Liquidity & Funding
Loans / Deposits94.44%73.24%86.34%95.95%72nd pctl73 / 258
Loans / Assets72.27%63.01%72.27%78.40%50th pctl129 / 258
Brokered Deposits / Depositsn/aNot reported for this institution