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American National Bank-Fox Cities

Appleton, WI · Cert 33812 · American National Bcorp Inc.

National charter · OCC · 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

59

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

23

Q2 2024Q2 2026peer median (50)

Liquidity

61

Q2 2024Q2 2026peer median

Efficiency

62

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

American National Bank-Fox Cities

Appleton, WI · Cert 33812 · American National Bcorp Inc.

National charter · OCC · 1 branch

Q2 2026

$432.6MAssets
$334.1MLoans
$353.5MDeposits
$53.9MEquity
Loan mix
76%RE $253.2M24%C&I $79.7M0%Consumer $0.2MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $289.8M18%Noninterest $63.6MQ2 2025Q2 2026

NIM

5.13%Q2 ’245.36%Q2 ’255.43%Q2 ’26+10%+5%

Non-interest income vs. expense

1.68%Q2 ’241.76%Q2 ’251.85%Q2 ’26+5%+4%

Market Position · Appleton, WI · 2026 SOD (annual) · 6.9% share · #7 of 23 inst. · $0.4B of $5.1B

Executive Summary

  • Earnings: ROA of 0.99%, up 4 bps year over year; NIM at 2.91%.
  • Asset quality: problem loans at 0.00% of loans (-9 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 13.59%, up 73 bps from a year ago.
  • Funding: loans stand at 94.52% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.99%+4 bps YoY

Net Interest Margin (YTD, annualized)

2.91%+13 bps YoY

Efficiency Ratio (YTD, annualized)

58.82%-10 bps YoY

Tier 1 Leverage Ratio

13.59%+73 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.95%1.10%1.09%0.84%0.99%+4 bps
Return on Equity8.24%9.39%9.19%6.82%8.02%-23 bps
Net Interest Margin2.78%2.83%2.82%2.80%2.91%+13 bps
Efficiency Ratio58.92%55.76%55.76%63.63%58.82%-10 bps
Non-Interest Burden1.55%1.41%1.42%1.71%1.62%+6 bps
Growth
Asset Growth (YoY)4.42%5.47%3.85%4.09%3.64%-78 bps
Loan Growth (YoY)4.10%8.00%9.30%4.17%5.80%+170 bps
Deposit Growth (YoY)8.02%9.99%1.28%2.94%0.27%-775 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.07%0.07%0.07%0.00%-9 bps
Net Charge-Offs / Loans0.04%-0.04%0.06%-0.01%-0.01%-5 bps
Allowance / Loans1.05%1.10%1.00%1.01%1.03%-2 bps
Allowance Coverage of NPLs11.7x15.9x15.1x15.5xn/an/a
Capital
Tier 1 Leverage Ratio12.86%13.19%13.37%13.35%13.59%+73 bps
Total Risk-Based Capital12.86%13.19%13.37%13.35%13.59%+73 bps
Equity / Assets11.69%11.97%12.48%12.05%12.45%+76 bps
Liquidity & Funding
Loans / Deposits89.57%90.28%93.40%90.94%94.52%+494 bps
Liquid Assets / Assets1.95%2.29%0.19%2.97%1.65%-31 bps
CRE / Total Capitaln/a357%357%358%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

American National Bank-Fox Cities

Appleton, WI · Cert 33812 · Peer group: banks under $1B in assets in WI (n=110-113) · American National Bcorp Inc.

National charter · OCC · 1 branch

Q2 2026

$432.6MAssets
$334.1MLoans
$353.5MDeposits
$53.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in WI (rank 16 of 110).
  • Widest gap: net interest margin trails 88% of banks under $1B in assets in WI (rank 100 of 113).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.98%

Rank 77 of 113

Net Interest Margin

2.91%

Rank 100 of 113

Efficiency Ratio

58.82%

Rank 44 of 113

Equity / Assets

12.45%

Rank 36 of 113

Non-interest income vs. expense

$1.0M$8.0MINCOMEEXPENSE
Unfavorable gap of $7.0M · efficiency ratio beats 62% of banks under $1B in assets in WI
Bank 58.82%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.98%0.85%1.17%1.51%Beats 32%77 / 113
Return on Equity7.87%7.70%10.77%13.67%Beats 26%84 / 113
Net Interest Margin2.91%3.19%3.59%3.89%Beats 12%100 / 113
Efficiency Ratio58.82%54.61%62.43%71.88%Beats 62%44 / 113
Asset Quality
Nonperforming Loans / Loans0.00%0.03%0.24%0.91%Beats 100%16 / 110
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 100%37 / 110
Capital
Tier 1 Capital Ratio13.59%11.22%12.95%15.76%Beats 58%47 / 113
Total Risk-Based Capital Ratio13.59%11.57%13.59%16.73%Beats 50%57 / 113
Equity / Assets12.45%9.17%10.74%13.13%Beats 68%36 / 113
Liquidity & Funding
Loans / Deposits94.52%76.54%86.37%98.93%69th pctl35 / 112
Loans / Assets77.23%63.07%71.33%78.84%67th pctl37 / 113
Brokered Deposits / Depositsn/aNot reported for this institution