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West Pointe Bank

Oshkosh, WI · Cert 34162 · West Pointe Bancshares Inc.

State charter, non-member · FDIC · 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

86

Q2 2024Q2 2026peer median (50)

Asset Quality

63

Q2 2024Q2 2026peer median (50)

Profitability

83

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

96

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

West Pointe Bank

Oshkosh, WI · Cert 34162 · West Pointe Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$368.8MAssets
$310.6MLoans
$260.2MDeposits
$71.3MEquity
Loan mix
83%RE $256.9M17%C&I $51.8M0%Consumer $0.3MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $228.5M12%Noninterest $31.7MQ2 2025Q2 2026

NIM

6.06%Q2 ’245.94%Q2 ’256.89%Q2 ’26+6%+35%

Non-interest income vs. expense

1.93%Q2 ’241.94%Q2 ’251.99%Q2 ’26-3%+4%

Market Position · Oshkosh-Neenah, WI · 2026 SOD (annual) · 10.2% share · #3 of 16 inst. · $0.3B of $2.5B

Executive Summary

  • Earnings: ROA of 2.33%, up 80 bps year over year; NIM at 4.80%.
  • Asset quality: problem loans at 0.91% of loans (-286 bps YoY), with net recoveries of 1.91%.
  • Capital: tier 1 leverage ratio of 19.41%, up 122 bps from a year ago.
  • Funding: loans stand at 119.37% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.33%+80 bps YoY

Net Interest Margin (YTD, annualized)

4.80%+124 bps YoY

Efficiency Ratio (YTD, annualized)

39.38%-1,117 bps YoY

Tier 1 Leverage Ratio

19.41%+122 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.53%1.61%1.40%2.90%2.33%+80 bps
Return on Equity8.52%8.89%7.69%15.64%12.39%+387 bps
Net Interest Margin3.57%3.60%3.70%5.47%4.80%+124 bps
Efficiency Ratio50.55%48.74%49.42%32.49%39.38%-1,117 bps
Non-Interest Burden1.67%1.63%1.70%1.59%1.73%+6 bps
Growth
Asset Growth (YoY)7.09%2.82%5.98%3.41%0.08%-701 bps
Loan Growth (YoY)6.55%5.71%9.60%1.45%-1.58%-813 bps
Deposit Growth (YoY)6.30%0.56%3.42%0.35%-1.34%-764 bps
Asset Quality
Nonperforming Loans / Loans3.77%3.92%2.18%2.12%0.91%-286 bps
Net Charge-Offs / Loans0.00%0.01%0.00%-3.65%-1.91%-191 bps
Allowance / Loans1.57%1.58%1.81%2.83%2.86%+130 bps
Allowance Coverage of NPLs0.4x0.4x0.8x1.3x3.2x+2.7x
Capital
Tier 1 Leverage Ratio18.20%18.28%18.29%18.97%19.41%+122 bps
Total Risk-Based Capital22.41%23.47%23.10%18.97%19.41%-300 bps
Equity / Assets17.90%18.52%18.34%18.79%19.32%+142 bps
Liquidity & Funding
Loans / Deposits119.67%120.74%122.24%116.15%119.37%-29 bps
Liquid Assets / Assets0.29%0.24%0.34%0.31%0.26%-3 bps
CRE / Total Capitaln/a242%238%214%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

West Pointe Bank

Oshkosh, WI · Cert 34162 · Peer group: banks under $1B in assets in WI (n=110-113) · West Pointe Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$368.8MAssets
$310.6MLoans
$260.2MDeposits
$71.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in WI (rank 37 of 110).
  • Widest gap: nonperforming loans / loans trails 74% of banks under $1B in assets in WI (rank 82 of 110).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

2.34%

Rank 9 of 113

Net Interest Margin

4.80%

Rank 4 of 113

Efficiency Ratio

39.38%

Rank 5 of 113

Equity / Assets

19.32%

Rank 8 of 113

Non-interest income vs. expense

$1.0M$7.3MINCOMEEXPENSE
Unfavorable gap of $6.4M · efficiency ratio beats 96% of banks under $1B in assets in WI
Bank 39.38%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.34%0.85%1.17%1.51%Beats 92%9 / 113
Return on Equity12.12%7.70%10.77%13.67%Beats 61%44 / 113
Net Interest Margin4.80%3.19%3.59%3.89%Beats 96%4 / 113
Efficiency Ratio39.38%54.61%62.43%71.88%Beats 96%5 / 113
Asset Quality
Nonperforming Loans / Loans0.91%0.03%0.24%0.91%Beats 26%82 / 110
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 100%37 / 110
Capital
Tier 1 Capital Ratio19.41%11.22%12.95%15.76%Beats 82%20 / 113
Total Risk-Based Capital Ratio19.41%11.57%13.59%16.73%Beats 82%20 / 113
Equity / Assets19.32%9.17%10.74%13.13%Beats 93%8 / 113
Liquidity & Funding
Loans / Deposits119.37%76.54%86.37%98.93%97th pctl3 / 112
Loans / Assets84.23%63.07%71.33%78.84%87th pctl15 / 113
Brokered Deposits / Depositsn/aNot reported for this institution