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Town Bank, National Association

Hartland, WI · Cert 34717 · Wintrust Financial Corp.

National charter · OCC · 25 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

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 $1B-$10B in assets (n=322 to 328). 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

27

Q2 2024Q2 2026peer median (50)

Asset Quality

58

Q2 2024Q2 2026peer median (50)

Profitability

50

Q2 2024Q2 2026peer median (50)

Liquidity

69

Q2 2024Q2 2026peer median

Efficiency

93

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

Town Bank, National Association

Hartland, WI · Cert 34717 · Wintrust Financial Corp.

National charter · OCC · 15 affiliate banks · 25 branches (213 in holding)

Q2 2026

$4.7BAssets
$3.5BLoans
$3.8BDeposits
$483.1MEquity
Loan mix
42%RE $1.3B39%C&I $1.2B18%Consumer $0.6BQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $3.1B19%Noninterest $0.7BQ3 2024Q2 2026

Market Position · Milwaukee-Waukesha, WI · 2026 SOD (annual) · 3.5% share · #5 of 43 inst. · $2.8B of $79.9B

11.1% Waukesha
1.3% Milwaukee
18.1% Walworth
8.2% Racine

Executive Summary

  • Earnings: ROA of 1.42%, up 20 bps year over year; NIM at 2.88%.
  • Asset quality: problem loans at 0.22% of loans (+4 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 9.75%, up 53 bps from a year ago.
  • Funding: loans stand at 92.18% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.42%+20 bps YoY

Net Interest Margin (YTD, annualized)

2.88%-4 bps YoY

Efficiency Ratio (YTD, annualized)

42.47%-241 bps YoY

Tier 1 Leverage Ratio

9.75%+53 bps YoY

NIM

4.98%Q2 ’245.03%Q2 ’254.75%Q2 ’26+12%-1%

Non-interest income vs. expense

1.52%Q2 ’241.45%Q2 ’251.36%Q2 ’26-7%-9%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%1.03%1.20%1.22%1.29%1.27%1.39%1.42%+20 bps
Return on Equity10.76%10.99%12.52%12.64%13.27%12.93%13.42%13.73%+109 bps
Net Interest Margin2.64%2.68%2.93%2.91%2.86%2.87%2.88%2.88%-4 bps
Efficiency Ratio51.00%49.56%45.12%44.88%43.82%43.54%43.19%42.47%-241 bps
Non-Interest Burden1.14%1.12%1.09%1.09%1.04%1.03%1.03%1.00%-9 bps
Growth
Asset Growth (YoY)10.74%10.86%4.57%7.48%10.42%8.10%6.29%7.21%-27 bps
Loan Growth (YoY)12.99%14.63%12.37%17.07%11.60%9.12%7.75%6.24%-1,083 bps
Deposit Growth (YoY)11.28%11.74%4.81%7.93%11.43%7.45%6.10%4.34%-358 bps
Asset Quality
Nonperforming Loans / Loans0.27%0.26%0.31%0.18%0.17%0.15%0.18%0.22%+4 bps
Net Charge-Offs / Loans0.11%0.10%0.01%0.02%0.04%0.06%0.08%0.09%+7 bps
Allowance / Loans0.53%0.59%0.64%0.66%0.62%0.61%0.59%0.54%-12 bps
Allowance Coverage of NPLs2.0x2.3x2.1x3.7x3.7x4.0x3.4x2.5x-1.2x
Capital
Tier 1 Leverage Ratio8.73%8.90%8.97%9.22%9.24%9.53%9.48%9.75%+53 bps
Total Risk-Based Capital11.21%11.40%11.50%11.51%11.72%12.07%12.01%11.78%+28 bps
Equity / Assets9.62%9.47%9.75%9.75%9.85%10.32%10.40%10.26%+51 bps
Liquidity & Funding
Loans / Deposits87.96%87.99%89.72%90.53%88.09%89.36%91.11%92.18%+165 bps
Liquid Assets / Assets11.08%12.06%10.16%9.65%11.42%10.25%9.11%8.51%-114 bps
CRE / Total Capitaln/an/an/an/a207%202%206%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

Town Bank, National Association

Hartland, WI · Cert 34717 · Peer group: banks $1B-$10B in assets (n=322-328) · Wintrust Financial Corp.

National charter · OCC · 15 affiliate banks · 25 branches (213 in holding)

Q2 2026

$4.7BAssets
$3.5BLoans
$3.8BDeposits
$483.1MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 93% of banks $1B-$10B in assets (rank 25 of 328).
  • Widest gap: total risk-based capital ratio trails 84% of banks $1B-$10B in assets (rank 274 of 328).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.38%

Rank 112 of 328

Net Interest Margin

2.88%

Rank 270 of 328

Efficiency Ratio

42.47%

Rank 25 of 328

Equity / Assets

10.26%

Rank 168 of 328

Non-interest income vs. expense

$16.7M$62.9MINCOMEEXPENSE
Unfavorable gap of $46.2M · efficiency ratio beats 93% of banks $1B-$10B in assets
Bank 42.47%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.38%0.91%1.22%1.52%Beats 66%112 / 328
Return on Equity13.43%8.43%11.45%14.43%Beats 67%107 / 328
Net Interest Margin2.88%3.03%3.45%3.83%Beats 18%270 / 328
Efficiency Ratio42.47%51.61%59.56%67.53%Beats 93%25 / 328
Asset Quality
Nonperforming Loans / Loans0.22%0.24%0.51%1.03%Beats 77%76 / 322
Net Charge-Offs / Loans0.06%0.01%0.03%0.10%Beats 38%202 / 322
Capital
Tier 1 Capital Ratio11.19%11.75%13.15%15.47%Beats 17%273 / 328
Total Risk-Based Capital Ratio11.78%12.63%14.15%16.46%Beats 16%274 / 328
Equity / Assets10.26%9.15%10.33%12.01%Beats 49%168 / 328
Liquidity & Funding
Loans / Deposits92.18%76.63%87.92%95.36%66th pctl110 / 323
Loans / Assets74.66%65.18%74.15%79.98%52nd pctl158 / 328
Brokered Deposits / Depositsn/aNot reported for this institution