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WNB Financial, National Association

Winona, MN · Cert 5280 · WNB Holding Co.

National charter · OCC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating regionally3

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 operating regionally (n=94). 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

34

Q2 2024Q2 2026peer median (50)

Asset Quality

75

Q2 2024Q2 2026peer median (50)

Profitability

27

Q2 2024Q2 2026peer median (50)

Liquidity

30

Q2 2024Q2 2026peer median

Efficiency

34

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

WNB Financial, National Association

Winona, MN · Cert 5280 · WNB Holding Co.

National charter · OCC · 7 branches

Q2 2026

$583.7MAssets
$352.1MLoans
$512.9MDeposits
$60.3MEquity
Loan mix
89%RE $305.3M9%C&I $32.3M1%Consumer $4.5MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $421.9M18%Noninterest $91.0MQ2 2025Q2 2026

NIM

3.89%Q2 ’244.15%Q2 ’254.29%Q2 ’26+17%+11%

Non-interest income vs. expense

2.90%Q2 ’242.90%Q2 ’252.79%Q2 ’260%-10%

Market Position · Rochester, MN · 2026 SOD (annual) · 2.1% share · #15 of 34 inst. · $0.2B of $7.6B

21.1% Winona
18.3% Wabasha
0.6% La Crosse
0.5% Eau Claire

Executive Summary

  • Earnings: ROA of 1.00%, up 40 bps year over year; NIM at 3.14%.
  • Asset quality: problem loans at 0.08% of loans (+8 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.31%, up 23 bps from a year ago.
  • Funding: loans stand at 68.65% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.00%+40 bps YoY

Net Interest Margin (YTD, annualized)

3.14%+30 bps YoY

Efficiency Ratio (YTD, annualized)

67.82%-1,012 bps YoY

Tier 1 Leverage Ratio

10.31%+23 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.59%0.70%0.76%0.81%1.00%+40 bps
Return on Equity6.07%7.09%7.68%7.99%9.74%+367 bps
Net Interest Margin2.84%3.00%2.93%3.19%3.14%+30 bps
Efficiency Ratio77.94%74.47%73.24%72.14%67.82%-1,012 bps
Non-Interest Burden2.00%1.98%1.89%2.03%1.79%-20 bps
Growth
Asset Growth (YoY)2.30%0.93%3.61%4.04%4.83%+253 bps
Loan Growth (YoY)1.62%4.17%2.95%2.66%0.18%-144 bps
Deposit Growth (YoY)4.95%3.53%5.02%4.60%4.48%-47 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.01%0.08%0.08%+8 bps
Net Charge-Offs / Loans-0.01%0.00%0.00%-0.01%-0.01%0 bps
Allowance / Loans1.22%1.22%1.23%1.25%1.23%+1 bps
Allowance Coverage of NPLs428.9x121.6x100.7x15.2x15.2x-413.7x
Capital
Tier 1 Leverage Ratio10.08%10.48%10.13%10.54%10.31%+23 bps
Total Risk-Based Capital10.08%10.48%10.13%10.54%10.31%+23 bps
Equity / Assets9.97%10.23%10.04%10.33%10.32%+36 bps
Liquidity & Funding
Loans / Deposits71.59%72.71%68.33%69.06%68.65%-294 bps
Liquid Assets / Assets16.01%16.52%21.37%20.29%21.03%+502 bps
CRE / Total Capitaln/a325%320%307%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

WNB Financial, National Association

Winona, MN · Cert 5280 · Peer group: banks under $1B in assets operating regionally (n=94) · WNB Holding Co.

National charter · OCC · 7 branches

Q2 2026

$583.7MAssets
$352.1MLoans
$512.9MDeposits
$60.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 84% of banks under $1B in assets operating regionally (rank 16 of 94).
  • Widest gap: net interest margin trails 88% of banks under $1B in assets operating regionally (rank 83 of 94).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.99%

Rank 60 of 94

Net Interest Margin

3.14%

Rank 83 of 94

Efficiency Ratio

68.29%

Rank 63 of 94

Equity / Assets

10.32%

Rank 45 of 94

Non-interest income vs. expense

$5.9M$16.6MINCOMEEXPENSE
Unfavorable gap of $10.7M · efficiency ratio beats 34% of banks under $1B in assets operating regionally
Bank 68.29%Peer median 62.4%Q2 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.99%0.82%1.19%1.46%Beats 36%60 / 94
Return on Equity9.58%7.85%11.84%14.03%Beats 32%64 / 94
Net Interest Margin3.14%3.42%3.81%4.18%Beats 12%83 / 94
Efficiency Ratio68.29%55.99%62.41%73.02%Beats 34%63 / 94
Asset Quality
Nonperforming Loans / Loans0.08%0.19%0.47%1.14%Beats 84%16 / 94
Net Charge-Offs / Loans0.01%0.00%0.02%0.05%Beats 66%33 / 94
Capital
Tier 1 Capital Ratio10.31%10.28%11.95%15.07%Beats 27%69 / 94
Total Risk-Based Capital Ratio10.31%10.31%12.59%15.88%Beats 23%72 / 94
Equity / Assets10.32%8.98%10.21%11.41%Beats 52%45 / 94
Liquidity & Funding
Loans / Deposits68.65%72.62%84.44%94.55%16th pctl79 / 94
Loans / Assets60.31%62.50%72.84%78.99%16th pctl79 / 94
Brokered Deposits / Depositsn/aNot reported for this institution