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Great Midwest Bank, State Savings Bank

Brookfield, WI · Cert 29657

SI · FDIC · 8 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

85

Q2 2024Q2 2026peer median (50)

Asset Quality

69

Q2 2024Q2 2026peer median (50)

Profitability

24

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

68

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

Great Midwest Bank, State Savings Bank

Brookfield, WI · Cert 29657

SI · FDIC · 8 branches

Q2 2026

$1.1BAssets
$938.9MLoans
$620.8MDeposits
$171.2MEquity
Loan mix
100%RE $908.5M0%C&I $0.0M0%Consumer $2.4MQ2 2025Q2 2026
Deposit mix
92%Interest-bearing $569.0M8%Noninterest $51.8MQ2 2025Q2 2026

NIM

4.76%Q2 ’245.23%Q2 ’255.54%Q2 ’26+22%+22%

Non-interest income vs. expense

1.71%Q2 ’241.79%Q2 ’251.84%Q2 ’26+7%-15%

Market Position · Milwaukee-Waukesha, WI · 2026 SOD (annual) · 0.7% share · #19 of 43 inst. · $0.6B of $79.9B

2.0% Waukesha
0.3% Milwaukee
4.6% Calumet
0.1% Dane

Executive Summary

  • Earnings: ROA of 1.14%, up 54 bps year over year; NIM at 2.85%.
  • Asset quality: problem loans at 0.56% of loans (-10 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 16.50%, up 9 bps from a year ago.
  • Funding: loans stand at 151.24% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.14%+54 bps YoY

Net Interest Margin (YTD, annualized)

2.85%+51 bps YoY

Efficiency Ratio (YTD, annualized)

54.31%-1,442 bps YoY

Tier 1 Leverage Ratio

16.50%+9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.61%0.67%0.69%0.99%1.14%+54 bps
Return on Equity3.77%4.13%4.27%6.23%7.13%+336 bps
Net Interest Margin2.34%2.38%2.42%2.84%2.85%+51 bps
Efficiency Ratio68.73%66.54%66.35%57.26%54.31%-1,442 bps
Non-Interest Burden1.52%1.48%1.50%1.49%1.30%-23 bps
Growth
Asset Growth (YoY)0.40%-0.41%5.49%5.59%6.79%+639 bps
Loan Growth (YoY)0.35%2.20%5.71%2.29%6.58%+623 bps
Deposit Growth (YoY)6.20%0.86%2.83%-0.69%-0.99%-720 bps
Asset Quality
Nonperforming Loans / Loans0.66%0.69%0.47%0.52%0.56%-10 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.46%0.45%0.43%0.44%0.43%-3 bps
Allowance Coverage of NPLs0.7x0.7x0.9x0.9x0.8x+0.1x
Capital
Tier 1 Leverage Ratio16.40%16.59%16.44%16.39%16.50%+9 bps
Total Risk-Based Capital16.40%16.59%16.44%16.39%16.50%+9 bps
Equity / Assets16.22%16.36%16.01%15.87%16.13%-9 bps
Liquidity & Funding
Loans / Deposits140.49%143.69%151.54%147.60%151.24%+1,075 bps
Liquid Assets / Assets0.66%0.34%0.27%2.00%1.06%+41 bps
CRE / Total Capitaln/a129.37%142.16%136.53%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

Great Midwest Bank, State Savings Bank

Brookfield, WI · Cert 29657 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258)

SI · FDIC · 8 branches

Q2 2026

$1.1BAssets
$938.9MLoans
$620.8MDeposits
$171.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets operating in a single state (rank 15 of 258).
  • Widest gap: net interest margin trails 86% of banks $1B-$10B in assets operating in a single state (rank 223 of 258).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.13%

Rank 147 of 258

Net Interest Margin

2.85%

Rank 223 of 258

Efficiency Ratio

54.31%

Rank 82 of 257

Equity / Assets

16.13%

Rank 14 of 258

Non-interest income vs. expense

$5.8M$19.4MINCOMEEXPENSE
Unfavorable gap of $13.7M · efficiency ratio beats 68% of banks $1B-$10B in assets operating in a single state
Bank 54.31%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.13%0.93%1.23%1.54%Beats 43%147 / 258
Return on Equity7.01%9.26%11.84%14.74%Beats 14%223 / 258
Net Interest Margin2.85%3.16%3.49%3.88%Beats 14%223 / 258
Efficiency Ratio54.31%51.71%60.30%69.65%Beats 68%82 / 257
Asset Quality
Nonperforming Loans / Loans0.56%0.19%0.46%0.90%Beats 38%162 / 258
Net Charge-Offs / Loans0.00%0.01%0.02%0.07%Beats 100%15 / 258
Capital
Tier 1 Capital Ratio16.50%11.41%12.98%15.12%Beats 83%44 / 258
Total Risk-Based Capital Ratio16.50%12.10%13.91%16.08%Beats 78%57 / 258
Equity / Assets16.13%9.09%10.24%11.72%Beats 95%14 / 258
Liquidity & Funding
Loans / Deposits151.24%73.24%86.34%95.95%99th pctl2 / 258
Loans / Assets88.46%63.01%72.27%78.40%99th pctl3 / 258
Brokered Deposits / Depositsn/aNot reported for this institution