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Mayville Savings Bank

Mayville, WI · Cert 30585

SI · FDIC · 1 branch

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

86

Q2 2024Q2 2026peer median (50)

Asset Quality

72

Q2 2024Q2 2026peer median (50)

Profitability

53

Q2 2024Q2 2026peer median (50)

Liquidity

12

Q2 2024Q2 2026peer median

Efficiency

74

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

Mayville Savings Bank

Mayville, WI · Cert 30585

SI · FDIC · 1 branch

Q2 2026

$84.2MAssets
$46.9MLoans
$72.9MDeposits
$10.9MEquity
Loan mix
86%RE $38.6M13%C&I $6.0M1%Consumer $0.4MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $62.2M15%Noninterest $10.8MQ2 2025Q2 2026

NIM

4.55%Q2 ’244.84%Q2 ’254.80%Q2 ’26-4%+10%

Non-interest income vs. expense

2.57%Q2 ’242.43%Q2 ’252.09%Q2 ’26-5%-15%

Executive Summary

  • Earnings: ROA of 1.38%, up 52 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 0.32% of loans (-1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.44%, up 1 bps from a year ago.
  • Funding: loans stand at 64.25% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.38%+52 bps YoY

Net Interest Margin (YTD, annualized)

3.66%+34 bps YoY

Efficiency Ratio (YTD, annualized)

54.87%-1,496 bps YoY

Tier 1 Leverage Ratio

13.44%+1 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.87%0.96%0.99%1.17%1.38%+52 bps
Return on Equity6.77%7.39%7.52%8.61%10.36%+359 bps
Net Interest Margin3.32%3.35%3.45%3.64%3.66%+34 bps
Efficiency Ratio69.83%69.15%68.71%57.74%54.87%-1,496 bps
Non-Interest Burden2.27%2.23%2.28%2.04%1.94%-33 bps
Growth
Asset Growth (YoY)9.85%5.01%3.62%2.72%9.94%+9 bps
Loan Growth (YoY)2.88%-5.35%-0.70%-2.01%-0.52%-340 bps
Deposit Growth (YoY)9.92%4.25%2.68%2.05%9.92%0 bps
Asset Quality
Nonperforming Loans / Loans0.33%0.35%0.34%0.34%0.32%-1 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.97%1.04%1.01%1.01%0.98%+1 bps
Allowance Coverage of NPLs2.9x3.0x2.9x3.0x3.0x+0.1x
Capital
Tier 1 Leverage Ratio13.43%13.49%13.88%13.80%13.44%+1 bps
Total Risk-Based Capital26.34%28.87%28.22%28.68%27.62%+128 bps
Equity / Assets12.91%13.87%13.58%13.56%12.99%+7 bps
Liquidity & Funding
Loans / Deposits70.99%69.61%68.63%67.40%64.25%-674 bps
Liquid Assets / Assets10.02%9.40%5.80%5.42%7.08%-294 bps
CRE / Total Capitaln/a51.84%51.17%52.13%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

Mayville Savings Bank

Mayville, WI · Cert 30585 · Peer group: banks under $1B in assets in WI (n=110-113)

SI · FDIC · 1 branch

Q2 2026

$84.2MAssets
$46.9MLoans
$72.9MDeposits
$10.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in WI (rank 37 of 110).
  • Widest gap: return on equity trails 58% of banks under $1B in assets in WI (rank 66 of 113).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.31%

Rank 43 of 113

Net Interest Margin

3.66%

Rank 51 of 113

Efficiency Ratio

54.87%

Rank 30 of 113

Equity / Assets

12.99%

Rank 31 of 113

Non-interest income vs. expense

$0.1M$1.7MINCOMEEXPENSE
Unfavorable gap of $1.6M · efficiency ratio beats 74% of banks under $1B in assets in WI
Bank 54.87%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.31%0.85%1.17%1.51%Beats 62%43 / 113
Return on Equity10.08%7.70%10.77%13.67%Beats 42%66 / 113
Net Interest Margin3.66%3.19%3.59%3.89%Beats 55%51 / 113
Efficiency Ratio54.87%54.61%62.43%71.88%Beats 74%30 / 113
Asset Quality
Nonperforming Loans / Loans0.32%0.03%0.24%0.91%Beats 44%63 / 110
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 100%37 / 110
Capital
Tier 1 Capital Ratio26.49%11.22%12.95%15.76%Beats 92%9 / 113
Total Risk-Based Capital Ratio27.62%11.57%13.59%16.73%Beats 92%9 / 113
Equity / Assets12.99%9.17%10.74%13.13%Beats 73%31 / 113
Liquidity & Funding
Loans / Deposits64.25%76.54%86.37%98.93%15th pctl95 / 112
Loans / Assets55.67%63.07%71.33%78.84%17th pctl94 / 113
Brokered Deposits / Depositsn/aNot reported for this institution