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Paper City Savings Bank, S.A.

Wisconsin Rapids, WI · Cert 29676

SL · FDIC · 3 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 WI3

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 WI (n=110 to 113). 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

88

Q2 2024Q2 2026peer median (50)

Asset Quality

32

Q2 2024Q2 2026peer median (50)

Profitability

42

Q2 2024Q2 2026peer median (50)

Liquidity

4

Q2 2024Q2 2026peer median

Efficiency

27

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

Paper City Savings Bank, S.A.

Wisconsin Rapids, WI · Cert 29676

SL · FDIC · 3 branches

Q2 2026

$208.3MAssets
$181.0MLoans
$170.2MDeposits
$33.6MEquity
Loan mix
95%RE $176.9M3%C&I $5.6M2%Consumer $3.0MQ3 2024Q2 2026
Deposit mix
86%Interest-bearing $146.6M14%Noninterest $23.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.02%, up 34 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 0.68% of loans (+16 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 16.11%, up 152 bps from a year ago.
  • Funding: loans stand at 106.34% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.02%+34 bps YoY

Net Interest Margin (YTD, annualized)

3.89%+68 bps YoY

Efficiency Ratio (YTD, annualized)

70.89%-702 bps YoY

Tier 1 Leverage Ratio

16.11%+152 bps YoY

NIM

4.86%Q2 ’245.06%Q2 ’255.39%Q2 ’26+12%+21%

Non-interest income vs. expense

2.93%Q2 ’243.02%Q2 ’253.17%Q2 ’26+3%+10%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.54%0.58%0.55%0.68%0.85%0.89%0.92%1.02%+34 bps
Return on Equity3.88%4.14%3.86%4.77%5.88%6.11%5.96%6.56%+178 bps
Net Interest Margin2.87%2.95%3.10%3.21%3.35%3.46%3.74%3.89%+68 bps
Efficiency Ratio81.23%80.00%81.61%77.91%74.47%73.58%73.11%70.89%-702 bps
Non-Interest Burden2.20%2.23%2.39%2.35%2.32%2.36%2.58%2.59%+23 bps
Growth
Asset Growth (YoY)4.22%2.11%1.86%1.53%1.51%-0.88%-0.50%-3.82%-535 bps
Loan Growth (YoY)3.99%3.60%1.14%-0.54%-0.90%-0.57%-0.67%-2.94%-240 bps
Deposit Growth (YoY)4.72%4.72%6.29%8.00%7.11%5.96%6.55%-0.50%-850 bps
Asset Quality
Nonperforming Loans / Loans0.58%0.65%0.65%0.52%0.65%0.64%0.62%0.68%+16 bps
Net Charge-Offs / Loans0.01%0.01%0.00%0.00%0.00%0.00%0.02%0.01%+1 bps
Allowance / Loans0.80%0.79%0.80%0.80%0.81%0.79%0.80%0.82%+2 bps
Allowance Coverage of NPLs1.4x1.2x1.2x1.6x1.2x1.2x1.3x1.2x-0.3x
Capital
Tier 1 Leverage Ratio14.24%14.49%14.62%14.59%14.93%15.21%15.62%16.11%+152 bps
Total Risk-Based Capital20.80%20.64%21.15%21.39%21.81%21.72%22.29%23.22%+184 bps
Equity / Assets14.18%14.10%14.37%14.43%14.80%15.26%15.50%16.13%+170 bps
Liquidity & Funding
Loans / Deposits115.83%116.76%114.66%109.02%107.18%109.55%106.89%106.34%-268 bps
Liquid Assets / Assets3.28%3.07%4.17%5.88%5.95%3.47%5.07%5.39%-49 bps
CRE / Total Capitaln/an/an/an/a197.76%201%192.48%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

Paper City Savings Bank, S.A.

Wisconsin Rapids, WI · Cert 29676 · Peer group: banks under $1B in assets in WI (n=110-113)

SL · FDIC · 3 branches

Q2 2026

$208.3MAssets
$181.0MLoans
$170.2MDeposits
$33.6MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 89% of banks under $1B in assets in WI (rank 12 of 113).
  • Widest gap: return on equity trails 83% of banks under $1B in assets in WI (rank 94 of 113).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.04%

Rank 74 of 113

Net Interest Margin

3.89%

Rank 28 of 113

Efficiency Ratio

70.89%

Rank 84 of 113

Equity / Assets

16.13%

Rank 12 of 113

Non-interest income vs. expense

$1.2M$6.7MINCOMEEXPENSE
Unfavorable gap of $5.5M · efficiency ratio beats 27% of banks under $1B in assets in WI
Bank 70.89%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.04%0.85%1.17%1.51%Beats 35%74 / 113
Return on Equity6.45%7.70%10.77%13.67%Beats 17%94 / 113
Net Interest Margin3.89%3.19%3.59%3.89%Beats 75%28 / 113
Efficiency Ratio70.89%54.61%62.43%71.88%Beats 27%84 / 113
Asset Quality
Nonperforming Loans / Loans0.68%0.03%0.24%0.91%Beats 31%77 / 110
Net Charge-Offs / Loans0.01%n/a0.00%0.01%Beats 33%76 / 110
Capital
Tier 1 Capital Ratio22.24%11.22%12.95%15.76%Beats 88%13 / 113
Total Risk-Based Capital Ratio23.22%11.57%13.59%16.73%Beats 88%13 / 113
Equity / Assets16.13%9.17%10.74%13.13%Beats 89%12 / 113
Liquidity & Funding
Loans / Deposits106.34%76.54%86.37%98.93%87th pctl15 / 112
Loans / Assets86.86%63.07%71.33%78.84%95th pctl6 / 113
Brokered Deposits / Depositsn/aNot reported for this institution