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Crossbridge Community Bank

Tomahawk, WI · Cert 30516 · Crossbridge Mutual Holding Co.

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

55

Q2 2024Q2 2026peer median (50)

Asset Quality

49

Q2 2024Q2 2026peer median (50)

Profitability

63

Q2 2024Q2 2026peer median (50)

Liquidity

47

Q2 2024Q2 2026peer median

Efficiency

39

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

Crossbridge Community Bank

Tomahawk, WI · Cert 30516 · Crossbridge Mutual Holding Co.

SI · FDIC · 2 branches

Q2 2026

$216.7MAssets
$182.3MLoans
$187.1MDeposits
$27.7MEquity
Loan mix
89%RE $156.3M6%C&I $11.3M4%Consumer $7.2MQ3 2024Q2 2026
Deposit mix
84%Interest-bearing $156.3M16%Noninterest $30.8MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.27%, up 34 bps year over year; NIM at 4.19%.
  • Asset quality: problem loans at 0.28% of loans (-24 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.14%, up 96 bps from a year ago.
  • Funding: loans stand at 97.43% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.27%+34 bps YoY

Net Interest Margin (YTD, annualized)

4.19%+40 bps YoY

Efficiency Ratio (YTD, annualized)

65.72%-670 bps YoY

Tier 1 Leverage Ratio

13.14%+96 bps YoY

NIM

4.28%Q2 ’244.73%Q2 ’255.10%Q2 ’26+22%+11%

Non-interest income vs. expense

3.06%Q2 ’243.08%Q2 ’253.07%Q2 ’26+2%-1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.50%0.58%0.92%0.93%0.99%1.07%1.29%1.27%+34 bps
Return on Equity4.59%5.31%8.29%8.27%8.70%9.27%10.57%10.22%+195 bps
Net Interest Margin3.14%3.22%3.72%3.79%3.80%3.85%4.11%4.19%+40 bps
Efficiency Ratio83.06%80.53%72.27%72.42%71.36%69.79%64.57%65.72%-670 bps
Non-Interest Burden2.54%2.50%2.58%2.63%2.59%2.57%2.50%2.61%-2 bps
Growth
Asset Growth (YoY)2.62%4.44%3.74%5.35%3.41%4.02%2.35%0.19%-516 bps
Loan Growth (YoY)5.22%5.98%5.60%7.08%4.94%4.89%3.75%4.92%-217 bps
Deposit Growth (YoY)7.41%11.17%10.34%10.07%5.47%2.89%2.96%-1.37%-1,144 bps
Asset Quality
Nonperforming Loans / Loans0.75%0.63%0.64%0.53%0.52%0.49%0.41%0.28%-24 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.18%1.17%1.16%1.14%1.15%1.13%1.13%1.09%-5 bps
Allowance Coverage of NPLs1.6x1.8x1.8x2.2x2.2x2.3x2.7x3.8x+1.7x
Capital
Tier 1 Leverage Ratio11.83%11.89%11.93%12.18%12.29%12.54%12.67%13.14%+96 bps
Total Risk-Based Capital11.83%11.89%11.93%12.18%12.29%12.54%12.67%13.14%+96 bps
Equity / Assets11.26%10.90%11.40%11.42%11.93%11.92%12.56%12.80%+137 bps
Liquidity & Funding
Loans / Deposits92.93%89.84%94.03%91.59%92.46%91.59%94.76%97.43%+584 bps
Liquid Assets / Assets2.80%3.52%2.93%3.48%3.21%5.00%3.17%1.49%-200 bps
CRE / Total Capitaln/an/an/an/a164.59%161.70%155.30%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

Crossbridge Community Bank

Tomahawk, WI · Cert 30516 · Peer group: banks under $1B in assets in WI (n=110-113) · Crossbridge Mutual Holding Co.

SI · FDIC · 2 branches

Q2 2026

$216.7MAssets
$182.3MLoans
$187.1MDeposits
$27.7MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 89% of banks under $1B in assets in WI (rank 12 of 113).
  • Widest gap: efficiency ratio trails 61% of banks under $1B in assets in WI (rank 70 of 113).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.28%

Rank 45 of 113

Net Interest Margin

4.19%

Rank 12 of 113

Efficiency Ratio

65.98%

Rank 70 of 113

Equity / Assets

12.80%

Rank 33 of 113

Non-interest income vs. expense

$1.0M$6.7MINCOMEEXPENSE
Unfavorable gap of $5.6M · efficiency ratio beats 39% of banks under $1B in assets in WI
Bank 65.98%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.28%0.85%1.17%1.51%Beats 60%45 / 113
Return on Equity9.97%7.70%10.77%13.67%Beats 40%68 / 113
Net Interest Margin4.19%3.19%3.59%3.89%Beats 89%12 / 113
Efficiency Ratio65.98%54.61%62.43%71.88%Beats 39%70 / 113
Asset Quality
Nonperforming Loans / Loans0.28%0.03%0.24%0.91%Beats 47%59 / 110
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 51%56 / 110
Capital
Tier 1 Capital Ratio13.14%11.22%12.95%15.76%Beats 53%53 / 113
Total Risk-Based Capital Ratio13.14%11.57%13.59%16.73%Beats 42%65 / 113
Equity / Assets12.80%9.17%10.74%13.13%Beats 71%33 / 113
Liquidity & Funding
Loans / Deposits97.43%76.54%86.37%98.93%73rd pctl30 / 112
Loans / Assets84.14%63.07%71.33%78.84%86th pctl16 / 113
Brokered Deposits / Depositsn/aNot reported for this institution