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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