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Fwbank

Chicago, IL · Cert 59195 · FWB Financial 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 assets in the Chicago-Naperville-Elgin, IL-IN area3

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 the Chicago-Naperville-Elgin, IL-IN area (n=56 to 57). 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

35

Q2 2024Q2 2026peer median (50)

Asset Quality

38

Q2 2024Q2 2026peer median (50)

Profitability

56

Q2 2024Q2 2026peer median (50)

Liquidity

72

Q2 2024Q2 2026peer median

Efficiency

28

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

Fwbank

Chicago, IL · Cert 59195 · FWB Financial Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$206.7MAssets
$135.6MLoans
$176.1MDeposits
$26.5MEquity
Loan mix
65%RE $83.4M35%C&I $45.0M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $131.2M26%Noninterest $45.0MQ2 2025Q2 2026

NIM

6.91%Q2 ’246.41%Q2 ’255.95%Q2 ’26-5%-1%

Non-interest income vs. expense

5.11%Q2 ’245.13%Q2 ’255.64%Q2 ’26-1%-2%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #100 of 147 inst. · $0.2B of $630.7B

Executive Summary

  • Earnings: ROA of 0.64%, down 48 bps year over year; NIM at 4.85%.
  • Asset quality: problem loans at 0.12% of loans (-129 bps YoY), with net charge-offs at 0.33%.
  • Capital: tier 1 leverage ratio of 12.51%, down 48 bps from a year ago.
  • Funding: loans stand at 77.01% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.64%-48 bps YoY

Net Interest Margin (YTD, annualized)

4.85%-7 bps YoY

Efficiency Ratio (YTD, annualized)

80.68%+219 bps YoY

Tier 1 Leverage Ratio

12.51%-48 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.12%1.46%2.27%0.67%0.64%-48 bps
Return on Equity9.37%12.01%18.23%4.99%4.83%-454 bps
Net Interest Margin4.92%4.88%4.97%4.93%4.85%-7 bps
Efficiency Ratio78.49%74.67%76.65%83.33%80.68%+219 bps
Non-Interest Burden3.50%3.14%3.31%3.67%3.43%-6 bps
Growth
Asset Growth (YoY)20.49%12.37%11.58%11.38%6.41%-1,408 bps
Loan Growth (YoY)12.31%7.36%3.43%-1.15%2.87%-945 bps
Deposit Growth (YoY)26.82%8.94%9.41%9.10%3.99%-2,284 bps
Asset Quality
Nonperforming Loans / Loans1.41%1.39%0.77%0.02%0.12%-129 bps
Net Charge-Offs / Loans0.00%0.00%0.46%0.74%0.33%+33 bps
Allowance / Loans1.41%1.45%1.17%1.15%1.34%-7 bps
Allowance Coverage of NPLs1.0x1.0x1.5x48.5x11.3x+10.3x
Capital
Tier 1 Leverage Ratio12.99%13.21%13.36%12.87%12.51%-48 bps
Total Risk-Based Capital12.99%13.21%13.36%12.87%12.51%-48 bps
Equity / Assets11.75%12.62%13.78%13.09%12.83%+108 bps
Liquidity & Funding
Loans / Deposits77.85%84.27%80.36%73.47%77.01%-84 bps
Liquid Assets / Assets14.70%11.45%11.47%17.27%13.97%-72 bps
CRE / Total Capitaln/a347%343%335%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

Fwbank

Chicago, IL · Cert 59195 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · FWB Financial Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$206.7MAssets
$135.6MLoans
$176.1MDeposits
$26.5MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 95% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 3 of 57).
  • Widest gap: net charge-offs / loans trails 93% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 53 of 56).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.62%

Rank 36 of 57

Net Interest Margin

4.85%

Rank 3 of 57

Efficiency Ratio

80.68%

Rank 42 of 57

Equity / Assets

12.83%

Rank 25 of 57

Non-interest income vs. expense

$4.5M$11.6MINCOMEEXPENSE
Unfavorable gap of $7.0M · efficiency ratio beats 28% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 80.68%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.62%0.51%0.84%1.19%Beats 37%36 / 57
Return on Equity4.82%3.13%7.76%11.40%Beats 35%37 / 57
Net Interest Margin4.85%3.16%3.63%4.08%Beats 95%3 / 57
Efficiency Ratio80.68%59.57%69.70%81.06%Beats 28%42 / 57
Asset Quality
Nonperforming Loans / Loans0.12%0.06%0.34%1.78%Beats 68%19 / 56
Net Charge-Offs / Loans0.17%n/a0.00%0.01%Beats 7%53 / 56
Capital
Tier 1 Capital Ratio12.51%12.24%16.06%19.69%Beats 26%42 / 57
Total Risk-Based Capital Ratio12.51%12.54%16.50%20.95%Beats 23%44 / 57
Equity / Assets12.83%9.37%11.56%15.00%Beats 56%25 / 57
Liquidity & Funding
Loans / Deposits77.01%66.29%85.59%95.16%33rd pctl38 / 57
Loans / Assets65.63%57.07%71.07%78.13%37th pctl36 / 57
Brokered Deposits / Depositsn/aNot reported for this institution