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Bay Bank

Green Bay, WI · Cert 34052 · Bay Bcorp Inc.

State charter, non-member · FDIC · 3 branches

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

72

Q2 2024Q2 2026peer median (50)

Asset Quality

10

Q2 2024Q2 2026peer median (50)

Profitability

55

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

42

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

Bay Bank

Green Bay, WI · Cert 34052 · Bay Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$315.7MAssets
$133.9MLoans
$264.9MDeposits
$31.3MEquity
Loan mix
75%RE $98.2M18%C&I $23.4M7%Consumer $9.5MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $189.2M29%Noninterest $75.7MQ2 2025Q2 2026

NIM

4.29%Q2 ’244.44%Q2 ’254.60%Q2 ’26+3%+5%

Non-interest income vs. expense

2.44%Q2 ’242.48%Q2 ’252.88%Q2 ’26+5%+43%

Market Position · Green Bay, WI · 2026 SOD (annual) · 1.0% share · #11 of 20 inst. · $0.1B of $14.9B

1.1% Brown
100.0% Menominee

Executive Summary

  • Earnings: ROA of 1.12%, down 10 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 2.03% of loans (-97 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 11.19%, up 93 bps from a year ago.
  • Funding: loans stand at 50.55% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.12%-10 bps YoY

Net Interest Margin (YTD, annualized)

3.85%+19 bps YoY

Efficiency Ratio (YTD, annualized)

65.20%+1,046 bps YoY

Tier 1 Leverage Ratio

11.19%+93 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.22%1.23%1.29%1.11%1.12%-10 bps
Return on Equity14.37%14.05%14.30%11.25%11.35%-301 bps
Net Interest Margin3.67%3.77%3.72%3.85%3.85%+19 bps
Efficiency Ratio54.73%55.27%55.30%64.95%65.20%+1,046 bps
Non-Interest Burden1.61%1.68%1.66%2.31%2.31%+70 bps
Growth
Asset Growth (YoY)13.50%12.98%11.31%1.60%4.23%-928 bps
Loan Growth (YoY)12.46%14.26%11.64%10.75%8.61%-385 bps
Deposit Growth (YoY)10.29%11.16%9.06%-3.64%1.82%-846 bps
Asset Quality
Nonperforming Loans / Loans2.99%2.39%2.36%2.39%2.03%-97 bps
Net Charge-Offs / Loans0.28%0.74%0.58%0.06%0.06%-22 bps
Allowance / Loans2.01%1.77%1.93%1.89%1.89%-12 bps
Allowance Coverage of NPLs0.7x0.7x0.8x0.8x0.9x+0.3x
Capital
Tier 1 Leverage Ratio10.25%10.75%10.77%11.10%11.19%+93 bps
Total Risk-Based Capital22.65%23.44%24.53%23.79%23.56%+91 bps
Equity / Assets9.05%9.59%9.92%9.83%9.92%+87 bps
Liquidity & Funding
Loans / Deposits47.39%49.40%47.51%50.55%50.55%+316 bps
Liquid Assets / Assets9.79%9.67%10.36%9.64%6.37%-342 bps
CRE / Total Capitaln/a164.29%148.28%150.81%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

Bay Bank

Green Bay, WI · Cert 34052 · Peer group: banks under $1B in assets in WI (n=110-113) · Bay Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$315.7MAssets
$133.9MLoans
$264.9MDeposits
$31.3MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 89% of banks under $1B in assets in WI (rank 12 of 113).
  • Widest gap: net charge-offs / loans trails 91% of banks under $1B in assets in WI (rank 101 of 110).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.11%

Rank 63 of 113

Net Interest Margin

3.85%

Rank 35 of 113

Efficiency Ratio

65.20%

Rank 67 of 113

Equity / Assets

9.92%

Rank 71 of 113

Non-interest income vs. expense

$1.8M$9.1MINCOMEEXPENSE
Unfavorable gap of $7.3M · efficiency ratio beats 42% of banks under $1B in assets in WI
Bank 65.20%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.11%0.85%1.17%1.51%Beats 44%63 / 113
Return on Equity11.21%7.70%10.77%13.67%Beats 51%55 / 113
Net Interest Margin3.85%3.19%3.59%3.89%Beats 69%35 / 113
Efficiency Ratio65.20%54.61%62.43%71.88%Beats 42%67 / 113
Asset Quality
Nonperforming Loans / Loans2.03%0.03%0.24%0.91%Beats 11%99 / 110
Net Charge-Offs / Loans0.06%n/a0.00%0.01%Beats 9%101 / 110
Capital
Tier 1 Capital Ratio22.31%11.22%12.95%15.76%Beats 89%12 / 113
Total Risk-Based Capital Ratio23.56%11.57%13.59%16.73%Beats 89%12 / 113
Equity / Assets9.92%9.17%10.74%13.13%Beats 37%71 / 113
Liquidity & Funding
Loans / Deposits50.55%76.54%86.37%98.93%4th pctl108 / 112
Loans / Assets42.42%63.07%71.33%78.84%4th pctl108 / 113
Brokered Deposits / Depositsn/aNot reported for this institution