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Twin City Bank

Longview, WA · Cert 35261 · Twin City Bcorp 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 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 under $1B in assets (n=581 to 629). 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

16

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

14

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

18

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

Twin City Bank

Longview, WA · Cert 35261 · Twin City Bcorp Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$150.7MAssets
$62.2MLoans
$135.4MDeposits
$14.5MEquity
Loan mix
66%RE $36.7M29%C&I $15.9M5%Consumer $2.9MQ2 2025Q2 2026
Deposit mix
68%Interest-bearing $92.2M32%Noninterest $43.1MQ2 2025Q2 2026

NIM

4.47%Q2 ’244.29%Q2 ’253.58%Q2 ’26-2%-33%

Non-interest income vs. expense

4.38%Q2 ’243.96%Q2 ’252.61%Q2 ’26-12%-24%

Market Position · Longview-Kelso, WA · 2026 SOD (annual) · 14.1% share · #5 of 6 inst. · $135.4M of $956.8M

Executive Summary

  • Earnings: ROA of 0.39%, down 22 bps year over year; NIM at 2.66%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.57%, down 109 bps from a year ago.
  • Funding: loans stand at 45.98% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.39%-22 bps YoY

Net Interest Margin (YTD, annualized)

2.66%-128 bps YoY

Efficiency Ratio (YTD, annualized)

84.78%+598 bps YoY

Tier 1 Leverage Ratio

9.57%-109 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.61%0.83%0.88%0.69%0.39%-22 bps
Return on Equity7.11%9.56%8.31%4.75%3.15%-396 bps
Net Interest Margin3.94%3.92%3.95%3.67%2.66%-128 bps
Efficiency Ratio78.79%75.48%73.94%77.85%84.78%+598 bps
Non-Interest Burden2.89%2.70%2.65%2.68%2.19%-70 bps
Growth
Asset Growth (YoY)2.19%3.47%16.87%62.01%107.66%+10,547 bps
Loan Growth (YoY)2.17%3.40%22.92%25.64%35.18%+3,300 bps
Deposit Growth (YoY)0.20%2.59%1.21%58.93%111.89%+11,169 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.70%0.46%0.31%-0.01%0.00%-71 bps
Allowance / Loans1.18%1.18%1.17%1.18%1.15%-3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.66%10.66%19.78%15.02%9.57%-109 bps
Total Risk-Based Capital10.66%10.66%19.78%15.02%9.57%-109 bps
Equity / Assets8.90%8.97%17.44%12.57%9.60%+70 bps
Liquidity & Funding
Loans / Deposits72.07%67.78%81.70%56.33%45.98%-2,609 bps
Liquid Assets / Assets0.21%0.19%0.18%10.15%40.50%+4,029 bps
CRE / Total Capitaln/a271%181.19%171.39%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

Twin City Bank

Longview, WA · Cert 35261 · Peer group: banks under $1B in assets (n=581-629) · Twin City Bcorp Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$150.7MAssets
$62.2MLoans
$135.4MDeposits
$14.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
  • Widest gap: total risk-based capital ratio trails 93% of banks under $1B in assets (rank 588 of 629).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.30%

Rank 547 of 629

Net Interest Margin

2.66%

Rank 550 of 629

Efficiency Ratio

84.78%

Rank 515 of 629

Equity / Assets

9.60%

Rank 415 of 629

Non-interest income vs. expense

$0.7M$4.2MINCOMEEXPENSE
Unfavorable gap of $3.5M · efficiency ratio beats 18% of banks under $1B in assets
Bank 84.78%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.30%0.60%1.01%1.45%Beats 13%547 / 629
Return on Equity3.13%5.38%9.30%13.28%Beats 16%531 / 629
Net Interest Margin2.66%3.03%3.54%4.05%Beats 13%550 / 629
Efficiency Ratio84.78%58.35%67.79%79.08%Beats 18%515 / 629
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 100%81 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio9.57%11.24%13.84%18.77%Beats 7%586 / 629
Total Risk-Based Capital Ratio9.57%11.58%14.43%19.66%Beats 7%588 / 629
Equity / Assets9.60%9.09%10.65%13.80%Beats 34%415 / 629
Liquidity & Funding
Loans / Deposits45.98%67.24%80.90%93.48%9th pctl541 / 594
Loans / Assets41.32%53.31%67.71%78.15%16th pctl531 / 629
Brokered Deposits / Depositsn/aNot reported for this institution