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Greenway Bank

Van Wert, OH · Cert 29495 · VWF Bcorp Inc.

State savings bank · OCC · 2 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 OH3

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 OH (n=68 to 71). 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

43

Q2 2024Q2 2026peer median (50)

Asset Quality

79

Q2 2024Q2 2026peer median (50)

Profitability

5

Q2 2024Q2 2026peer median (50)

Liquidity

36

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

Greenway Bank

Van Wert, OH · Cert 29495 · VWF Bcorp Inc.

State savings bank · OCC · 2 branches

Q2 2026

$402.3MAssets
$214.6MLoans
$336.0MDeposits
$33.0MEquity
Loan mix
85%RE $175.3M14%C&I $29.8M1%Consumer $1.3MQ2 2025Q2 2026
Deposit mix
97%Interest-bearing $326.6M3%Noninterest $9.4MQ2 2025Q2 2026

NIM

5.22%Q2 ’245.38%Q2 ’255.43%Q2 ’26+4%+9%

Non-interest income vs. expense

2.91%Q2 ’242.21%Q2 ’252.44%Q2 ’26-24%+9%

Market Position · Fort Wayne, IN · 2026 SOD (annual) · 1.3% share · #14 of 26 inst. · $0.1B of $11.1B

23.8% Van Wert
1.4% Allen

Executive Summary

  • Earnings: ROA of 0.07%, up 14 bps year over year; NIM at 2.45%.
  • Asset quality: problem loans at 0.20% of loans (+14 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.50%, up 6 bps from a year ago.
  • Funding: loans stand at 63.87% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.07%1+14 bps YoY

Net Interest Margin (YTD, annualized)

2.45%+19 bps YoY

Efficiency Ratio (YTD, annualized)

96.22%+49 bps YoY

Tier 1 Leverage Ratio

8.50%+6 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.07%0.06%0.12%0.27%0.07%1+14 bps
Return on Equity-0.82%0.66%1.39%3.16%0.83%+165 bps
Net Interest Margin2.26%2.26%2.33%2.31%2.45%+19 bps
Efficiency Ratio95.73%91.97%89.75%89.48%96.22%+49 bps
Non-Interest Burden2.15%2.07%2.08%2.05%2.35%+20 bps
Growth
Asset Growth (YoY)27.46%25.39%16.99%4.21%1.44%-2,603 bps
Loan Growth (YoY)48.05%44.08%34.55%23.60%13.99%-3,406 bps
Deposit Growth (YoY)59.41%36.71%9.30%4.60%-1.93%-6,135 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.32%0.18%0.37%0.20%+14 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.79%0.79%0.80%0.82%0.87%+8 bps
Allowance Coverage of NPLs14.2x2.5x4.5x2.2x4.4x-9.8x
Capital
Tier 1 Leverage Ratio8.44%8.15%8.36%8.69%8.50%+6 bps
Total Risk-Based Capital14.90%16.01%15.82%15.67%15.21%+31 bps
Equity / Assets8.17%8.27%8.70%8.52%8.19%+3 bps
Liquidity & Funding
Loans / Deposits54.95%56.66%62.85%64.80%63.87%+892 bps
Liquid Assets / Assets1.45%2.86%1.69%1.95%2.54%+108 bps
CRE / Total Capitaln/a189.98%198.05%213%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. Year to date through Q2 2026, gains on securities were $111K before tax, about $81K after an assumed 27% tax, or 59% of net income. Excluding them, ROA would be much lower. Source: Call Report Schedule RI, items 6.a, 6.b and 8.b.

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

Greenway Bank

Van Wert, OH · Cert 29495 · Peer group: banks under $1B in assets in OH (n=68-71) · VWF Bcorp Inc.

State savings bank · OCC · 2 branches

Q2 2026

$402.3MAssets
$214.6MLoans
$336.0MDeposits
$33.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OH (rank 26 of 68).
  • Widest gap: return on equity trails 96% of banks under $1B in assets in OH (rank 68 of 71).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.07%

Rank 68 of 71

Net Interest Margin

2.45%

Rank 65 of 71

Efficiency Ratio

96.22%

Rank 68 of 71

Equity / Assets

8.19%

Rank 56 of 71

Non-interest income vs. expense

$0.4M$9.6MINCOMEEXPENSE
Unfavorable gap of $9.2M · efficiency ratio beats 6% of banks under $1B in assets in OH
Bank 96.22%Peer median 70.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.07%0.62%1.02%1.39%Beats 4%68 / 71
Return on Equity0.83%5.62%10.07%13.60%Beats 4%68 / 71
Net Interest Margin2.45%2.93%3.56%4.07%Beats 8%65 / 71
Efficiency Ratio96.22%55.94%70.77%78.80%Beats 6%68 / 71
Asset Quality
Nonperforming Loans / Loans0.20%0.08%0.27%0.97%Beats 57%30 / 68
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 100%26 / 68
Capital
Tier 1 Capital Ratio14.33%11.18%13.77%20.34%Beats 54%33 / 71
Total Risk-Based Capital Ratio15.21%12.08%14.34%21.24%Beats 55%32 / 71
Equity / Assets8.19%8.41%10.74%13.32%Beats 21%56 / 71
Liquidity & Funding
Loans / Deposits63.87%64.48%76.81%87.49%21st pctl54 / 68
Loans / Assets53.35%55.33%65.58%72.51%20th pctl57 / 71
Brokered Deposits / Depositsn/aNot reported for this institution