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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 $0.4MQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $62.2M15%Noninterest $10.8MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.88%0.90%0.73%0.87%0.96%0.99%1.17%1.38%+52 bps
Return on Equity6.81%6.96%5.74%6.77%7.39%7.52%8.61%10.36%+359 bps
Net Interest Margin3.50%3.36%3.29%3.32%3.35%3.45%3.64%3.66%+34 bps
Efficiency Ratio70.68%70.01%74.69%69.83%69.15%68.71%57.74%54.87%-1,496 bps
Non-Interest Burden2.42%2.30%2.42%2.27%2.23%2.28%2.04%1.94%-33 bps
Growth
Asset Growth (YoY)8.82%8.00%10.78%9.85%5.01%3.62%2.72%9.94%+9 bps
Loan Growth (YoY)3.79%2.53%0.94%2.88%-5.35%-0.70%-2.01%-0.52%-340 bps
Deposit Growth (YoY)7.98%7.66%10.74%9.92%4.25%2.68%2.05%9.92%0 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.09%0.03%0.33%0.35%0.34%0.34%0.32%-1 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.99%1.00%0.99%0.97%1.04%1.01%1.01%0.98%+1 bps
Allowance Coverage of NPLs11.1x11.1x32.6x2.9x3.0x2.9x3.0x3.0x+0.1x
Capital
Tier 1 Leverage Ratio13.94%13.47%13.35%13.43%13.49%13.88%13.80%13.44%+1 bps
Total Risk-Based Capital26.51%26.37%26.40%26.34%28.87%28.22%28.68%27.62%+128 bps
Equity / Assets13.32%12.72%12.74%12.91%13.87%13.58%13.56%12.99%+7 bps
Liquidity & Funding
Loans / Deposits76.68%70.96%70.20%70.99%69.61%68.63%67.40%64.25%-674 bps
Liquid Assets / Assets8.79%11.66%11.44%10.02%9.40%5.80%5.42%7.08%-294 bps
CRE / Total Capitaln/an/an/an/a51.84%51.17%52.13%n/an/a