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

Deposit mix

NIM

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

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%.

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

Year to date, annualized, through each quarter.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	0.17%	0.27%	0.36%	0.26%	0.45%	+28 bps
Return on Equity	1.31%	2.04%	2.70%	1.93%	3.36%	+205 bps
Net Interest Margin	2.04%	2.16%	2.23%	2.49%	2.57%	+52 bps
Efficiency Ratio	88.95%	83.05%	79.38%	87.74%	79.68%	-926 bps
Non-Interest Burden	1.76%	1.72%	1.69%	2.12%	1.96%	+20 bps
Growth
Asset Growth (YoY)	2.18%	2.85%	1.55%	4.22%	5.55%	+337 bps
Loan Growth (YoY)	8.95%	7.14%	7.73%	8.21%	4.34%	-462 bps
Deposit Growth (YoY)	7.44%	4.63%	0.63%	0.38%	5.50%	-193 bps
Asset Quality
Nonperforming Loans / Loans	0.20%	0.16%	0.16%	0.15%	0.20%	0 bps
Net Charge-Offs / Loans	0.01%	0.01%	0.01%	0.01%	0.00%	0 bps
Allowance / Loans	1.08%	1.12%	1.16%	1.15%	1.19%	+11 bps
Allowance Coverage of NPLs	5.3x	6.9x	7.2x	7.8x	5.9x	+0.6x
Capital
Tier 1 Leverage Ratio	12.69%	12.71%	12.82%	12.63%	12.60%	-10 bps
Total Risk-Based Capital	12.69%	12.71%	12.82%	12.63%	12.60%	-10 bps
Equity / Assets	13.08%	13.42%	13.73%	13.19%	13.26%	+18 bps
Liquidity & Funding
Loans / Deposits	95.50%	97.10%	97.54%	99.23%	94.44%	-106 bps
Liquid Assets / Assets	0.36%	0.65%	0.35%	0.58%	2.90%	+254 bps
CRE / Total Capital	n/a	298%	304%	331%	n/a	n/a