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Keysavings Bank

Wisconsin Rapids, WI · Cert 29691

SI · FDIC · 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 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

4

Q2 2024Q2 2026peer median (50)

Asset Quality

35

Q2 2024Q2 2026peer median (50)

Profitability

19

Q2 2024Q2 2026peer median (50)

Liquidity

72

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

Keysavings Bank

Wisconsin Rapids, WI · Cert 29691

SI · FDIC · 2 branches

Q2 2026

$129.5MAssets
$79.0MLoans
$99.7MDeposits
$9.5MEquity
Loan mix
95%RE $74.9M0%C&I $0.2M4%Consumer $3.4MQ3 2024Q2 2026
Deposit mix
100%Interest-bearing $99.7M0%Noninterest $0.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.55%, up 22 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 0.07% of loans (+7 bps YoY), with net charge-offs at 0.22%.
  • Capital: tier 1 leverage ratio of 9.38%, up 10 bps from a year ago.
  • Funding: loans stand at 79.25% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.55%+22 bps YoY

Net Interest Margin (YTD, annualized)

3.18%+45 bps YoY

Efficiency Ratio (YTD, annualized)

70.80%-1,528 bps YoY

Tier 1 Leverage Ratio

9.38%+10 bps YoY

NIM

4.38%Q2 ’245.12%Q2 ’255.57%Q2 ’26+21%+17%

Non-interest income vs. expense

2.49%Q2 ’242.59%Q2 ’252.51%Q2 ’26+4%-7%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.01%0.10%0.14%0.33%0.44%0.40%0.36%0.55%+22 bps
Return on Equity0.07%1.30%1.97%4.72%6.03%5.50%4.76%7.30%+258 bps
Net Interest Margin2.25%2.21%2.79%2.72%2.80%2.78%3.00%3.18%+45 bps
Efficiency Ratio98.61%92.21%92.34%86.08%82.55%84.14%80.21%70.80%-1,528 bps
Non-Interest Burden2.21%2.01%2.56%2.31%2.25%2.28%2.34%2.14%-16 bps
Growth
Asset Growth (YoY)26.39%19.67%17.39%15.42%11.07%10.19%5.07%2.88%-1,254 bps
Loan Growth (YoY)25.61%19.88%21.17%22.52%21.07%20.47%14.17%5.50%-1,703 bps
Deposit Growth (YoY)20.84%21.95%18.37%18.50%14.50%9.71%4.14%3.81%-1,469 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.01%0.90%0.19%0.07%+7 bps
Net Charge-Offs / Loans0.00%0.04%0.00%0.00%0.00%0.00%0.42%0.22%+22 bps
Allowance / Loans0.20%0.30%0.31%0.30%0.35%0.37%0.31%0.54%+24 bps
Allowance Coverage of NPLsn/an/an/a224.0x32.9x0.4x1.7x7.4x-216.6x
Capital
Tier 1 Leverage Ratio10.44%9.74%9.83%9.29%9.38%9.23%9.16%9.38%+10 bps
Total Risk-Based Capital10.44%9.74%9.83%9.29%9.38%9.23%9.16%9.38%+10 bps
Equity / Assets7.96%6.88%7.16%7.08%7.75%7.79%7.49%7.37%+29 bps
Liquidity & Funding
Loans / Deposits72.35%72.74%75.15%77.99%76.50%79.87%82.39%79.25%+127 bps
Liquid Assets / Assets2.26%2.98%3.01%2.37%2.28%3.12%2.19%3.80%+142 bps
CRE / Total Capitaln/an/an/an/a101.90%121.90%148.40%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

Keysavings Bank

Wisconsin Rapids, WI · Cert 29691 · Peer group: banks under $1B in assets in WI (n=110-113)

SI · FDIC · 2 branches

Q2 2026

$129.5MAssets
$79.0MLoans
$99.7MDeposits
$9.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 65% of banks under $1B in assets in WI (rank 40 of 110).
  • Widest gap: equity / assets trails 96% of banks under $1B in assets in WI (rank 108 of 113).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.55%

Rank 102 of 113

Net Interest Margin

3.18%

Rank 87 of 113

Efficiency Ratio

70.80%

Rank 83 of 113

Equity / Assets

7.37%

Rank 108 of 113

Non-interest income vs. expense

$0.5M$3.2MINCOMEEXPENSE
Unfavorable gap of $2.8M · efficiency ratio beats 27% of banks under $1B in assets in WI
Bank 70.80%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.55%0.85%1.17%1.51%Beats 10%102 / 113
Return on Equity7.40%7.70%10.77%13.67%Beats 23%87 / 113
Net Interest Margin3.18%3.19%3.59%3.89%Beats 23%87 / 113
Efficiency Ratio70.80%54.61%62.43%71.88%Beats 27%83 / 113
Asset Quality
Nonperforming Loans / Loans0.07%0.03%0.24%0.91%Beats 65%40 / 110
Net Charge-Offs / Loans0.19%n/a0.00%0.01%Beats 5%106 / 110
Capital
Tier 1 Capital Ratio9.38%11.22%12.95%15.76%Beats 4%108 / 113
Total Risk-Based Capital Ratio9.38%11.57%13.59%16.73%Beats 4%108 / 113
Equity / Assets7.37%9.17%10.74%13.13%Beats 4%108 / 113
Liquidity & Funding
Loans / Deposits79.25%76.54%86.37%98.93%35th pctl73 / 112
Loans / Assets61.04%63.07%71.33%78.84%23rd pctl87 / 113
Brokered Deposits / Depositsn/aNot reported for this institution