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Letter portraitLegal landscapeQuarterYTD

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 $3.0MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $146.6M14%Noninterest $23.6MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.68%0.85%0.89%0.92%1.02%+34 bps
Return on Equity4.77%5.88%6.11%5.96%6.56%+178 bps
Net Interest Margin3.21%3.35%3.46%3.74%3.89%+68 bps
Efficiency Ratio77.91%74.47%73.58%73.11%70.89%-702 bps
Non-Interest Burden2.35%2.32%2.36%2.58%2.59%+23 bps
Growth
Asset Growth (YoY)1.53%1.51%-0.88%-0.50%-3.82%-535 bps
Loan Growth (YoY)-0.54%-0.90%-0.57%-0.67%-2.94%-240 bps
Deposit Growth (YoY)8.00%7.11%5.96%6.55%-0.50%-850 bps
Asset Quality
Nonperforming Loans / Loans0.52%0.65%0.64%0.62%0.68%+16 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.02%0.01%+1 bps
Allowance / Loans0.80%0.81%0.79%0.80%0.82%+2 bps
Allowance Coverage of NPLs1.6x1.2x1.2x1.3x1.2x-0.3x
Capital
Tier 1 Leverage Ratio14.59%14.93%15.21%15.62%16.11%+152 bps
Total Risk-Based Capital21.39%21.81%21.72%22.29%23.22%+184 bps
Equity / Assets14.43%14.80%15.26%15.50%16.13%+170 bps
Liquidity & Funding
Loans / Deposits109.02%107.18%109.55%106.89%106.34%-268 bps
Liquid Assets / Assets5.88%5.95%3.47%5.07%5.39%-49 bps
CRE / Total Capitaln/a197.76%201%192.48%n/an/a