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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 1.25%, up 31 bps year over year; NIM at 4.24%.
  • Asset quality: problem loans at 0.28% of loans (-24 bps YoY), with net charge-offs at 0.01%.
  • 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 (quarter, annualized)

1.25%+31 bps YoY

Net Interest Margin (quarter, annualized)

4.24%+38 bps YoY

Efficiency Ratio (quarter, annualized)

66.85%-571 bps YoY

Tier 1 Leverage Ratio

13.14%+96 bps YoY

NIM

4.34%Q2 ’244.81%Q2 ’255.15%Q2 ’26+25%+10%

Non-interest income vs. expense

3.10%Q2 ’243.14%Q2 ’253.16%Q2 ’26+3%0%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%0.82%0.92%0.94%1.11%1.30%1.29%1.25%+31 bps
Return on Equity5.91%7.36%8.29%8.24%9.52%10.88%10.57%9.88%+164 bps
Net Interest Margin3.32%3.55%3.72%3.86%3.91%4.07%4.11%4.24%+38 bps
Efficiency Ratio78.67%73.95%72.27%72.56%69.34%65.31%64.57%66.85%-571 bps
Non-Interest Burden2.52%2.48%2.58%2.68%2.57%2.54%2.50%2.68%0 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%0.01%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