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Spring Bank

Brookfield, WI · Cert 58780

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 assets in WI3

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 in WI (n=110 to 113). 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

37

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

64

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

84

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

Spring Bank

Brookfield, WI · Cert 58780

State charter, non-member · FDIC · 1 branch

Q2 2026

$440.7MAssets
$369.3MLoans
$332.3MDeposits
$49.5MEquity
Loan mix
82%RE $303.0M18%C&I $68.4M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $292.9M12%Noninterest $39.3MQ2 2025Q2 2026

NIM

5.72%Q2 ’245.89%Q2 ’256.16%Q2 ’26+7%+12%

Non-interest income vs. expense

1.77%Q2 ’241.76%Q2 ’251.71%Q2 ’26-1%-4%

Market Position · Milwaukee-Waukesha, WI · 2026 SOD (annual) · 0.4% share · #24 of 43 inst. · $0.3B of $79.9B

Executive Summary

  • Earnings: ROA of 1.54%, up 41 bps year over year; NIM at 3.48%.
  • Asset quality: problem loans at 2.70% of loans (-57 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.57%, down 11 bps from a year ago.
  • Funding: loans stand at 111.13% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.54%+41 bps YoY

Net Interest Margin (YTD, annualized)

3.48%+38 bps YoY

Efficiency Ratio (YTD, annualized)

47.15%-727 bps YoY

Tier 1 Leverage Ratio

11.57%-11 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.12%1.19%1.25%1.47%1.54%+41 bps
Return on Equity9.76%10.45%11.06%12.99%13.61%+386 bps
Net Interest Margin3.10%3.11%3.21%3.38%3.48%+38 bps
Efficiency Ratio54.42%53.98%51.89%48.33%47.15%-727 bps
Non-Interest Burden1.63%1.62%1.61%1.56%1.57%-7 bps
Growth
Asset Growth (YoY)10.94%13.80%14.75%10.90%5.59%-535 bps
Loan Growth (YoY)17.23%18.46%16.94%11.76%3.83%-1,339 bps
Deposit Growth (YoY)12.49%15.18%11.99%10.96%4.88%-761 bps
Asset Quality
Nonperforming Loans / Loans3.27%2.85%3.01%3.27%2.70%-57 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.36%1.36%1.36%1.34%1.32%-4 bps
Allowance Coverage of NPLs0.4x0.5x0.5x0.4x0.5x+0.1x
Capital
Tier 1 Leverage Ratio11.68%11.40%11.73%11.78%11.57%-11 bps
Total Risk-Based Capital11.68%11.40%11.73%11.78%11.57%-11 bps
Equity / Assets10.90%10.93%11.24%11.38%11.24%+34 bps
Liquidity & Funding
Loans / Deposits112.25%109.10%115.83%112.75%111.13%-112 bps
Liquid Assets / Assets2.91%4.71%3.46%5.09%4.62%+171 bps
CRE / Total Capitaln/a504%497%484%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

Spring Bank

Brookfield, WI · Cert 58780 · Peer group: banks under $1B in assets in WI (n=110-113)

State charter, non-member · FDIC · 1 branch

Q2 2026

$440.7MAssets
$369.3MLoans
$332.3MDeposits
$49.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in WI (rank 37 of 110).
  • Widest gap: nonperforming loans / loans trails 95% of banks under $1B in assets in WI (rank 106 of 110).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.53%

Rank 28 of 113

Net Interest Margin

3.48%

Rank 64 of 113

Efficiency Ratio

47.15%

Rank 19 of 113

Equity / Assets

11.24%

Rank 47 of 113

Non-interest income vs. expense

$0.6M$7.6MINCOMEEXPENSE
Unfavorable gap of $7.0M · efficiency ratio beats 84% of banks under $1B in assets in WI
Bank 47.15%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.53%0.85%1.17%1.51%Beats 75%28 / 113
Return on Equity13.61%7.70%10.77%13.67%Beats 73%30 / 113
Net Interest Margin3.48%3.19%3.59%3.89%Beats 43%64 / 113
Efficiency Ratio47.15%54.61%62.43%71.88%Beats 84%19 / 113
Asset Quality
Nonperforming Loans / Loans2.70%0.03%0.24%0.91%Beats 5%106 / 110
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 100%37 / 110
Capital
Tier 1 Capital Ratio11.57%11.22%12.95%15.76%Beats 28%81 / 113
Total Risk-Based Capital Ratio11.57%11.57%13.59%16.73%Beats 26%84 / 113
Equity / Assets11.24%9.17%10.74%13.13%Beats 58%47 / 113
Liquidity & Funding
Loans / Deposits111.13%76.54%86.37%98.93%94th pctl7 / 112
Loans / Assets83.79%63.07%71.33%78.84%84th pctl18 / 113
Brokered Deposits / Depositsn/aNot reported for this institution