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American Bank of Beaver Dam

Beaver Dam, WI · Cert 5283

FDIC · 4 branches

Q4 2025

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: Q4 2025, the quarter ended December 31, 2025, 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=114 to 117). 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

18

Q2 2024Q4 2025peer median (50)

Asset Quality

7

Q2 2024Q4 2025peer median (50)

Profitability

54

Q2 2024Q4 2025peer median (50)

Liquidity

0

Q2 2024Q4 2025peer median

Efficiency

38

Q2 2024Q4 2025peer 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

American Bank of Beaver Dam

Beaver Dam, WI · Cert 5283

FDIC · 4 branches

Q4 2025

$219.0MAssets
$75.6MLoans
$197.8MDeposits
$19.3MEquity
Loan mix
97%RE $73.3M2%C&I $1.5M1%Consumer $0.4MQ4 2024Q4 2025
Deposit mix
79%Interest-bearing $155.7M21%Noninterest $42.1MQ4 2024Q4 2025

NIM

4.01%Q4 ’234.65%Q4 ’244.80%Q4 ’25+3%+4%

Non-interest income vs. expense

2.99%Q4 ’232.84%Q4 ’242.92%Q4 ’25+4%+5%

Executive Summary

  • Earnings: ROA of 0.95%, down 12 bps year over year; NIM at 3.67%.
  • Asset quality: problem loans at 2.68% of loans (+75 bps YoY), with net charge-offs at 0.82%.
  • Capital: tier 1 leverage ratio of 10.34%, up 31 bps from a year ago.
  • Funding: loans stand at 38.20% of deposits as of Q4 2025.

Financial Results

Return on Assets (YTD, annualized)

0.95%-12 bps YoY

Net Interest Margin (YTD, annualized)

3.67%+14 bps YoY

Efficiency Ratio (YTD, annualized)

69.85%+18 bps YoY

Tier 1 Leverage Ratio

10.34%+31 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets1.07%0.86%0.99%1.02%0.95%-12 bps
Return on Equity13.17%10.18%11.40%11.59%10.74%-244 bps
Net Interest Margin3.53%3.58%3.80%3.71%3.67%+14 bps
Efficiency Ratio69.67%69.96%69.02%67.38%69.85%+18 bps
Non-Interest Burden2.29%2.34%2.45%2.32%2.41%+12 bps
Growth
Asset Growth (YoY)3.98%6.22%5.69%2.04%6.86%+288 bps
Loan Growth (YoY)-20.88%-18.01%-14.58%-10.38%-8.93%+1,196 bps
Deposit Growth (YoY)3.13%5.17%4.35%1.05%5.95%+282 bps
Asset Quality
Nonperforming Loans / Loans1.92%1.65%1.70%2.65%2.68%+75 bps
Net Charge-Offs / Loans0.14%1.59%0.85%1.03%0.82%+68 bps
Allowance / Loans1.89%1.66%1.63%1.49%1.58%-31 bps
Allowance Coverage of NPLs1.0x1.0x1.0x0.6x0.6x-0.4x
Capital
Tier 1 Leverage Ratio10.03%9.89%10.58%10.41%10.34%+31 bps
Total Risk-Based Capital10.03%9.89%10.58%10.41%10.34%+31 bps
Equity / Assets8.12%8.75%9.18%9.33%8.80%+68 bps
Liquidity & Funding
Loans / Deposits44.44%45.40%46.41%44.23%38.20%-624 bps
Liquid Assets / Assets13.18%13.39%15.91%14.40%24.13%+1,095 bps
CRE / Total Capitaln/an/an/a246%226%n/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

American Bank of Beaver Dam

Beaver Dam, WI · Cert 5283 · Peer group: banks under $1B in assets in WI (n=114-117)

FDIC · 4 branches

Q4 2025

$219.0MAssets
$75.6MLoans
$197.8MDeposits
$19.3MEquity

Executive Summary

  • Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets in WI (rank 50 of 116).
  • Widest gap: nonperforming loans / loans trails 93% of banks under $1B in assets in WI (rank 107 of 114).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.89%

Rank 72 of 117

Net Interest Margin

3.67%

Rank 36 of 117

Efficiency Ratio

69.85%

Rank 74 of 117

Equity / Assets

8.80%

Rank 87 of 117

Non-interest income vs. expense

$1.1M$6.1MINCOMEEXPENSE
Unfavorable gap of $5.0M · efficiency ratio beats 38% of banks under $1B in assets in WI
Bank 69.85%Peer median 66.4%Q2 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.89%0.71%1.01%1.29%Beats 38%72 / 117
Return on Equity10.07%6.81%9.41%11.96%Beats 56%52 / 117
Net Interest Margin3.67%2.91%3.29%3.72%Beats 69%36 / 117
Efficiency Ratio69.85%56.64%66.37%74.10%Beats 38%74 / 117
Asset Quality
Nonperforming Loans / Loans2.68%0.02%0.24%0.90%Beats 7%107 / 114
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio10.34%11.19%12.68%15.70%Beats 14%101 / 117
Total Risk-Based Capital Ratio10.34%11.63%13.62%16.63%Beats 14%101 / 117
Equity / Assets8.80%8.78%10.34%12.70%Beats 26%87 / 117
Liquidity & Funding
Loans / Deposits38.20%72.96%84.55%97.13%1st pctl113 / 114
Loans / Assets34.50%61.21%70.87%78.28%2nd pctl112 / 114
Brokered Deposits / Deposits0.00%n/a0.27%7.05%Beats 100%50 / 116