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Capitol Bank

Madison, WI · Cert 34074 · Capitol Bankshares 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

Trailing 9 quarters, through Q2 2026

Capital

72

Q2 2024Q2 2026Peer median (50)

Asset Quality

71

Q2 2024Q2 2026Peer median (50)

Profitability

35

Q2 2024Q2 2026Peer median (50)

Liquidity

77

Q2 2024Q2 2026Peer median (100)

Efficiency

59

Q2 2024Q2 2026Peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.

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 2026-10-12

Capitol Bank

Madison, WI · Cert 34074 · Capitol Bankshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$565.3MAssets
$431.1MLoans
$473.0MDeposits
$69.4MEquity
Loan mix
86%RE $384.8M13%C&I $58.0M1%Consumer $4.8MQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $400.6M15%Noninterest $72.4MQ3 2024Q2 2026

Market Position · Madison, WI · 2026 SOD (annual) · 1.6% share · #19 of 41 inst. · $0.5B of $30.1B

Executive Summary

  • Earnings: ROA of 1.12%, up 42 bps year over year; NIM at 3.13%.
  • Asset quality: problem loans at 0.02% of loans (+1 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 12.42%, up 180 bps from a year ago.
  • Funding: loans stand at 91.14% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.12%+42 bps YoY

Net Interest Margin (YTD, annualized)

3.13%+57 bps YoY

Efficiency Ratio (YTD, annualized)

59.48%-763 bps YoY

Tier 1 Leverage Ratio

12.42%+180 bps YoY

NIM

5.13%Q2 ’245.01%Q2 ’255.14%Q2 ’26+12%+22%

Non-interest income vs. expense

1.90%Q2 ’241.85%Q2 ’252.00%Q2 ’26+0%+7%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.58%0.64%0.54%0.70%0.79%0.85%1.11%1.12%+42 bps
Return on Equity5.85%6.44%5.49%6.94%7.68%8.26%10.00%9.73%+279 bps
Net Interest Margin2.31%2.34%2.38%2.56%2.80%2.84%2.94%3.13%+57 bps
Efficiency Ratio73.05%70.35%71.78%67.11%64.15%62.91%59.27%59.48%-763 bps
Non-Interest Burden1.62%1.58%1.65%1.65%1.71%1.71%1.65%1.77%+11 bps
Growth
Asset Growth (YoY)8.81%6.65%8.98%1.24%0.85%0.73%-7.92%-6.06%-730 bps
Loan Growth (YoY)8.94%0.80%0.47%-4.60%-6.50%-3.45%-7.99%-10.30%-569 bps
Deposit Growth (YoY)7.45%6.05%8.54%4.16%0.71%0.59%-9.90%-7.67%-1,183 bps
Asset Quality
Nonperforming Loans / Loans0.26%0.00%0.00%0.01%0.01%0.02%0.02%0.02%+1 bps
Net Charge-Offs / Loans0.15%0.23%0.00%0.02%0.02%0.01%0.00%-0.01%-3 bps
Allowance / Loans1.19%1.17%1.20%1.26%1.30%1.32%1.39%1.46%+20 bps
Allowance Coverage of NPLs4.6xn/an/a183.4x187.8x73.4x74.0x75.1x-108.3x
Capital
Tier 1 Leverage Ratio10.70%10.58%10.20%10.62%11.40%11.43%11.38%12.42%+180 bps
Total Risk-Based Capital13.15%13.81%14.07%14.79%15.27%15.17%16.33%17.01%+222 bps
Equity / Assets10.12%9.72%9.85%10.70%10.82%10.66%11.65%12.28%+158 bps
Liquidity & Funding
Loans / Deposits98.27%91.80%89.24%93.81%91.23%88.12%91.14%91.14%-267 bps
Liquid Assets / Assets0.80%4.75%6.42%1.74%4.57%6.41%4.04%4.21%+247 bps
CRE / Total Capitaln/an/an/an/a491%498%453%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 2026-10-12

Capitol Bank

Madison, WI · Cert 34074 · Peer group: banks under $1B in assets in WI (n=110-113) · Capitol Bankshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$565.3MAssets
$431.1MLoans
$473.0MDeposits
$69.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 78% of banks under $1B in assets in WI (rank 25 of 110).
  • Widest gap: net interest margin trails 81% of banks under $1B in assets in WI (rank 91 of 113).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.18%

Rank 56 of 113

Net Interest Margin

3.13%

Rank 91 of 113

Efficiency Ratio

59.48%

Rank 47 of 113

Equity / Assets

12.28%

Rank 37 of 113

Non-interest income vs. expense

$1.4M$11.6MINCOMEEXPENSE
Unfavorable gap of $10.2M · efficiency ratio beats 59% of banks under $1B in assets in WI
Bank 59.48%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.18%0.85%1.17%1.51%Beats 50%56 / 113
Return on Equity9.61%7.70%10.77%13.67%Beats 36%72 / 113
Net Interest Margin3.13%3.19%3.59%3.89%Beats 19%91 / 113
Efficiency Ratio59.48%54.61%62.43%71.88%Beats 59%47 / 113
Asset Quality
Nonperforming Loans / Loans0.02%0.03%0.24%0.91%Beats 78%25 / 110
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 64%44 / 110
Capital
Tier 1 Capital Ratio15.76%11.22%12.95%15.76%Beats 74%29 / 113
Total Risk-Based Capital Ratio17.01%11.57%13.59%16.73%Beats 75%28 / 113
Equity / Assets12.28%9.17%10.74%13.13%Beats 67%37 / 113
Liquidity & Funding
Loans / Deposits91.14%76.54%86.37%98.93%63rd pctl42 / 112
Loans / Assets76.26%63.07%71.33%78.84%65th pctl40 / 113
Brokered Deposits / Depositsn/aNot reported for this institution