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Ccfbank National Association

Altoona, WI · Cert 57265 · Citizens Community Bcorp Inc.

National charter · OCC · 21 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

58

Q2 2024Q2 2026peer median (50)

Asset Quality

16

Q2 2024Q2 2026peer median (50)

Profitability

20

Q2 2024Q2 2026peer median (50)

Liquidity

99

Q2 2024Q2 2026peer median

Efficiency

46

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

Ccfbank National Association

Altoona, WI · Cert 57265 · Citizens Community Bcorp Inc.

National charter · OCC · 21 branches

Q2 2026

$1.8BAssets
$1.4BLoans
$1.6BDeposits
$217.6MEquity
Loan mix
92%RE $1.2B8%C&I $0.1B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $1.3B19%Noninterest $0.3BQ2 2025Q2 2026

NIM

4.99%Q2 ’245.03%Q2 ’254.86%Q2 ’26+9%+1%

Non-interest income vs. expense

2.24%Q2 ’242.34%Q2 ’252.25%Q2 ’26+6%-6%

Market Position · Eau Claire, WI · 2026 SOD (annual) · 11.5% share · #3 of 22 inst. · $0.4B of $3.7B

15.7% Eau Claire
21.3% Monroe
23.6% Trempealeau
10.7% Barron

Executive Summary

  • Earnings: ROA of 0.74%, down 22 bps year over year; NIM at 3.17%.
  • Asset quality: problem loans at 2.28% of loans (+138 bps YoY), with net charge-offs at 0.23%.
  • Capital: tier 1 leverage ratio of 11.21%, down 101 bps from a year ago.
  • Funding: loans stand at 87.61% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.74%-22 bps YoY

Net Interest Margin (YTD, annualized)

3.17%+3 bps YoY

Efficiency Ratio (YTD, annualized)

59.91%-271 bps YoY

Tier 1 Leverage Ratio

11.21%-101 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.96%0.98%1.01%1.03%0.74%-22 bps
Return on Equity7.52%7.66%8.01%8.64%6.14%-138 bps
Net Interest Margin3.14%3.19%3.18%3.14%3.17%+3 bps
Efficiency Ratio62.61%62.56%62.54%60.02%59.91%-271 bps
Non-Interest Burden1.75%1.76%1.76%1.61%1.66%-10 bps
Growth
Asset Growth (YoY)-3.75%-4.03%1.88%2.38%4.53%+828 bps
Loan Growth (YoY)-5.40%-6.82%-1.83%0.21%2.38%+779 bps
Deposit Growth (YoY)-2.40%-3.30%2.91%3.09%5.50%+790 bps
Asset Quality
Nonperforming Loans / Loans0.90%1.19%1.18%1.28%2.28%+138 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.06%0.23%+23 bps
Allowance / Loans1.58%1.67%1.67%1.69%1.87%+29 bps
Allowance Coverage of NPLs1.8x1.4x1.4x1.3x0.8x-0.9x
Capital
Tier 1 Leverage Ratio12.22%12.24%11.33%11.32%11.21%-101 bps
Total Risk-Based Capital15.67%15.87%14.62%14.41%14.19%-148 bps
Equity / Assets12.96%13.15%11.97%11.97%12.01%-95 bps
Liquidity & Funding
Loans / Deposits90.28%89.41%86.82%85.57%87.61%-267 bps
Liquid Assets / Assets6.94%8.00%9.57%11.13%9.38%+244 bps
CRE / Total Capitaln/a436%472%469%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

Ccfbank National Association

Altoona, WI · Cert 57265 · Peer group: banks $1B-$10B in assets (n=322-328) · Citizens Community Bcorp Inc.

National charter · OCC · 21 branches

Q2 2026

$1.8BAssets
$1.4BLoans
$1.6BDeposits
$217.6MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 75% of banks $1B-$10B in assets (rank 82 of 328).
  • Widest gap: nonperforming loans / loans trails 92% of banks $1B-$10B in assets (rank 296 of 322).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.73%

Rank 275 of 328

Net Interest Margin

3.17%

Rank 219 of 328

Efficiency Ratio

60.59%

Rank 179 of 328

Equity / Assets

12.01%

Rank 82 of 328

Non-interest income vs. expense

$10.6M$40.4MINCOMEEXPENSE
Unfavorable gap of $29.8M · efficiency ratio beats 46% of banks $1B-$10B in assets
Bank 60.59%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.73%0.91%1.22%1.52%Beats 16%275 / 328
Return on Equity6.10%8.43%11.45%14.43%Beats 11%291 / 328
Net Interest Margin3.17%3.03%3.45%3.83%Beats 33%219 / 328
Efficiency Ratio60.59%51.61%59.56%67.53%Beats 46%179 / 328
Asset Quality
Nonperforming Loans / Loans2.28%0.24%0.51%1.03%Beats 8%296 / 322
Net Charge-Offs / Loans0.12%0.01%0.03%0.10%Beats 24%245 / 322
Capital
Tier 1 Capital Ratio12.94%11.75%13.15%15.47%Beats 47%173 / 328
Total Risk-Based Capital Ratio14.19%12.63%14.15%16.46%Beats 51%162 / 328
Equity / Assets12.01%9.15%10.33%12.01%Beats 75%82 / 328
Liquidity & Funding
Loans / Deposits87.61%76.63%87.92%95.36%49th pctl164 / 323
Loans / Assets76.40%65.18%74.15%79.98%61st pctl129 / 328
Brokered Deposits / Depositsn/aNot reported for this institution