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East Wisconsin Savings Bank

Kaukauna, WI · Cert 30313 · Ewsb Bcorp Inc.

SI · FDIC · 4 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=109 to 112). 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

23

Q2 2024Q2 2026peer median (50)

Asset Quality

41

Q2 2024Q2 2026peer median (50)

Profitability

1

Q2 2024Q2 2026peer median (50)

Liquidity

85

Q2 2024Q2 2026peer median

Efficiency

2

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

East Wisconsin Savings Bank

Kaukauna, WI · Cert 30313 · Ewsb Bcorp Inc.

SI · FDIC · 4 branches

Q2 2026

$265.8MAssets
$187.1MLoans
$226.2MDeposits
$14.2MEquity
Loan mix
81%RE $149.5M2%C&I $3.3M18%Consumer $32.8MQ2 2025Q2 2026
Deposit mix
95%Interest-bearing $215.5M5%Noninterest $10.8MQ2 2025Q2 2026

NIM

3.53%Q2 ’243.80%Q2 ’254.01%Q2 ’26+19%+21%

Non-interest income vs. expense

2.71%Q2 ’242.63%Q2 ’252.75%Q2 ’26+4%-1%

Market Position · Appleton, WI · 2026 SOD (annual) · 4.4% share · #9 of 23 inst. · $0.2B of $5.1B

Executive Summary

  • Earnings: ROA of -0.39%, up 14 bps year over year; NIM at 1.79%.
  • Asset quality: problem loans at 0.06% of loans (+3 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 7.13%, up 78 bps from a year ago.
  • Funding: loans stand at 82.69% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.39%+14 bps YoY

Net Interest Margin (YTD, annualized)

1.79%+31 bps YoY

Efficiency Ratio (YTD, annualized)

111.18%-2,102 bps YoY

Tier 1 Leverage Ratio

7.13%+78 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.52%-1.93%-1.43%-0.39%-0.39%+14 bps
Return on Equity-10.11%-39.07%-29.55%-8.70%-8.08%+204 bps
Net Interest Margin1.48%1.53%1.62%1.74%1.79%+31 bps
Efficiency Ratio132.20%121.86%113.01%111.53%111.18%-2,102 bps
Non-Interest Burden2.13%2.01%1.95%2.05%2.10%-3 bps
Growth
Asset Growth (YoY)6.52%4.06%-0.89%-5.02%-6.59%-1,311 bps
Loan Growth (YoY)9.14%8.44%1.65%-2.55%-5.27%-1,441 bps
Deposit Growth (YoY)-0.46%-2.27%-6.25%-5.58%1.10%+155 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.01%0.16%0.01%0.06%+3 bps
Net Charge-Offs / Loans0.00%0.04%0.03%0.06%0.06%+6 bps
Allowance / Loans0.61%0.58%0.60%0.63%0.63%+3 bps
Allowance Coverage of NPLs19.6x44.2x3.8x44.8x10.1x-9.5x
Capital
Tier 1 Leverage Ratio6.35%6.01%6.12%6.33%7.13%+78 bps
Total Risk-Based Capital11.40%11.15%11.58%11.52%12.63%+122 bps
Equity / Assets5.13%4.19%4.48%4.56%5.33%+20 bps
Liquidity & Funding
Loans / Deposits88.25%89.59%87.51%84.70%82.69%-556 bps
Liquid Assets / Assets15.51%15.35%15.14%14.63%13.71%-180 bps
CRE / Total Capitaln/a108.02%86.85%88.35%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

East Wisconsin Savings Bank

Kaukauna, WI · Cert 30313 · Peer group: banks under $1B in assets in WI (n=109-112) · Ewsb Bcorp Inc.

SI · FDIC · 4 branches

Q2 2026

$265.8MAssets
$187.1MLoans
$226.2MDeposits
$14.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 67% of banks under $1B in assets in WI (rank 37 of 109).
  • Widest gap: equity / assets trails 100% of banks under $1B in assets in WI (rank 112 of 112).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

-0.39%

Rank 110 of 112

Net Interest Margin

1.79%

Rank 112 of 112

Efficiency Ratio

112.68%

Rank 111 of 112

Equity / Assets

5.33%

Rank 112 of 112

Non-interest income vs. expense

$1.7M$7.3MINCOMEEXPENSE
Unfavorable gap of $5.6M · efficiency ratio beats 2% of banks under $1B in assets in WI
Bank 112.68%Peer median 62.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.39%0.85%1.17%1.51%Beats 2%110 / 112
Return on Equity-7.27%7.87%10.91%13.85%Beats 1%111 / 112
Net Interest Margin1.79%3.19%3.59%3.89%Beats 0%112 / 112
Efficiency Ratio112.68%54.87%62.73%72.61%Beats 2%111 / 112
Asset Quality
Nonperforming Loans / Loans0.06%0.03%0.22%0.91%Beats 67%37 / 109
Net Charge-Offs / Loans0.03%n/a0.00%0.01%Beats 15%94 / 109
Capital
Tier 1 Capital Ratio11.80%11.22%12.95%15.76%Beats 32%76 / 112
Total Risk-Based Capital Ratio12.63%11.57%13.59%16.73%Beats 36%72 / 112
Equity / Assets5.33%9.17%10.74%13.13%Beats 0%112 / 112
Liquidity & Funding
Loans / Deposits82.69%75.89%86.36%98.49%41st pctl65 / 111
Loans / Assets70.39%64.03%71.52%78.98%46th pctl61 / 112
Brokered Deposits / Depositsn/aNot reported for this institution