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Community Business Bank

Sauk City, WI · Cert 33880

FDIC · 3 branches

Q4 2024

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: Q4 2024, the quarter ended December 31, 2024, 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=120 to 122). 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

69

Q2 2024Q4 2024peer median (50)

Asset Quality

73

Q2 2024Q4 2024peer median (50)

Profitability

30

Q2 2024Q4 2024peer median (50)

Liquidity

50

Q2 2024Q4 2024peer median

Efficiency

20

Q2 2024Q4 2024peer 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

Community Business Bank

Sauk City, WI · Cert 33880

FDIC · 3 branches

Q4 2024

$180.0MAssets
$139.0MLoans
$146.0MDeposits
$25.3MEquity
Loan mix
97%RE $114.0M3%C&I $3.2M0%Consumer $0.1MQ1 2023Q4 2024
Deposit mix
81%Interest-bearing $118.8M19%Noninterest $27.2MQ1 2023Q4 2024

Market Position · Janesville-Beloit, WI · 2024 SOD (annual) · 0.9% share · #16 of 17 inst. · $0.0B of $3.3B

4.8% Sauk
0.9% Rock
1.2% Columbia

Executive Summary

  • Earnings: ROA of 0.58%, down 90 bps year over year; NIM at 2.92%.
  • Asset quality: problem loans at 0.21% of loans (+21 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.91%, down 18 bps from a year ago.
  • Funding: loans stand at 95.19% of deposits as of Q4 2024.

Return on Assets (YTD, annualized)

0.58%-90 bps YoY

Net Interest Margin (YTD, annualized)

2.92%-30 bps YoY

Efficiency Ratio (YTD, annualized)

82.02%+2,833 bps YoY

Tier 1 Leverage Ratio

13.91%-18 bps YoY

NIM

4.15%Q4 ’224.64%Q4 ’235.19%Q4 ’24-12%-9%

Non-interest income vs. expense

1.81%Q4 ’221.79%Q4 ’232.44%Q4 ’24-3%+42%

Year to date, annualized, through each quarter.

MetricQ1 2023Q2 2023Q3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024YoY ΔTrend
Earnings
Return on Assets1.11%1.13%1.24%1.48%0.94%0.98%1.33%0.58%-90 bps
Return on Equity8.65%8.56%9.29%10.91%6.63%6.99%9.38%4.08%-683 bps
Net Interest Margin3.43%3.46%3.47%3.22%2.92%2.93%2.91%2.92%-30 bps
Efficiency Ratio55.40%55.14%55.01%53.70%60.33%59.06%58.10%82.02%+2,833 bps
Non-Interest Burden1.88%1.88%1.88%1.68%1.73%1.71%1.67%2.38%+71 bps
Growth
Asset Growth (YoY)-11.70%-13.91%-5.71%-1.69%3.71%14.36%5.24%6.25%+794 bps
Loan Growth (YoY)-0.35%0.30%-7.83%-4.43%-7.56%-7.27%0.11%1.19%+562 bps
Deposit Growth (YoY)-12.08%-17.56%-8.49%-4.38%2.03%14.82%3.63%3.75%+813 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.06%0.21%+21 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.71%1.72%1.62%1.23%1.26%1.26%1.01%1.10%-13 bps
Allowance Coverage of NPLsn/an/an/an/an/an/a15.7x5.1xn/a
Capital
Tier 1 Leverage Ratio12.93%13.52%14.14%14.09%14.17%14.22%14.40%13.91%-18 bps
Total Risk-Based Capital12.93%13.52%14.14%14.09%14.17%14.22%14.40%13.91%-18 bps
Equity / Assets13.05%14.14%13.69%14.30%13.95%13.71%14.64%14.04%-27 bps
Liquidity & Funding
Loans / Deposits100.34%107.65%98.25%97.60%90.91%86.94%94.91%95.19%-241 bps
Liquid Assets / Assets5.39%2.02%7.86%3.75%3.65%3.56%3.71%3.69%-6 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/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

Community Business Bank

Sauk City, WI · Cert 33880 · Peer group: banks under $1B in assets in WI (n=120-122)

FDIC · 3 branches

Q4 2024

$180.0MAssets
$139.0MLoans
$146.0MDeposits
$25.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in WI (rank 24 of 120).
  • Widest gap: return on equity trails 84% of banks under $1B in assets in WI (rank 102 of 122).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.57%

Rank 90 of 122

Net Interest Margin

2.92%

Rank 65 of 122

Efficiency Ratio

82.02%

Rank 99 of 122

Equity / Assets

14.04%

Rank 17 of 122

Non-interest income vs. expense

$0.1M$4.4MINCOMEEXPENSE
Unfavorable gap of $4.3M · efficiency ratio beats 20% of banks under $1B in assets in WI
Bank 82.02%Peer median 69.9%Q2 2024Q4 2024Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.57%0.54%0.80%1.14%Beats 26%90 / 122
Return on Equity4.04%5.37%8.06%10.71%Beats 16%102 / 122
Net Interest Margin2.92%2.61%2.95%3.40%Beats 47%65 / 122
Efficiency Ratio82.02%61.05%69.95%80.00%Beats 20%99 / 122
Asset Quality
Nonperforming Loans / Loans0.21%0.02%0.17%0.58%Beats 45%67 / 120
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 100%24 / 120
Capital
Tier 1 Capital Ratio13.91%11.11%12.77%16.10%Beats 63%45 / 122
Total Risk-Based Capital Ratio13.91%11.65%13.62%16.65%Beats 58%51 / 122
Equity / Assets14.04%8.19%9.77%12.18%Beats 86%17 / 122
Liquidity & Funding
Loans / Deposits95.19%71.00%84.22%95.56%73rd pctl33 / 121
Loans / Assets77.20%61.46%70.24%79.04%68th pctl39 / 120
Brokered Deposits / Depositsn/aNot reported for this institution