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Mound City Bank

Platteville, WI · Cert 9037 · Mound Cty Finl Services Inc.

State charter, non-member · FDIC · 6 branches

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

76

Q2 2024Q2 2026peer median (50)

Asset Quality

47

Q2 2024Q2 2026peer median (50)

Profitability

64

Q2 2024Q2 2026peer median (50)

Liquidity

69

Q2 2024Q2 2026peer median

Efficiency

75

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

Mound City Bank

Platteville, WI · Cert 9037 · Mound Cty Finl Services Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$550.7MAssets
$434.2MLoans
$468.0MDeposits
$69.1MEquity
Loan mix
95%RE $342.6M4%C&I $13.6M1%Consumer $3.6MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $399.1M15%Noninterest $68.9MQ2 2025Q2 2026

NIM

4.36%Q2 ’244.67%Q2 ’255.08%Q2 ’26+23%+18%

Non-interest income vs. expense

2.22%Q2 ’242.29%Q2 ’252.42%Q2 ’26-2%+2%

Market Position · Madison, WI · 2026 SOD (annual) · 0.4% share · #30 of 41 inst. · $0.1B of $30.1B

20.0% Grant
0.3% Dane
6.8% Iowa
8.6% Lafayette

Executive Summary

  • Earnings: ROA of 1.67%, up 47 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 0.11% of loans (-30 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 13.07%, up 39 bps from a year ago.
  • Funding: loans stand at 92.78% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.67%+47 bps YoY

Net Interest Margin (YTD, annualized)

3.47%+52 bps YoY

Efficiency Ratio (YTD, annualized)

54.61%-562 bps YoY

Tier 1 Leverage Ratio

13.07%+39 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.20%1.32%1.31%1.56%1.67%+47 bps
Return on Equity10.31%11.20%11.03%12.90%13.59%+328 bps
Net Interest Margin2.95%3.02%3.13%3.34%3.47%+52 bps
Efficiency Ratio60.23%58.23%59.70%54.98%54.61%-562 bps
Non-Interest Burden1.44%1.40%1.50%1.40%1.46%+2 bps
Growth
Asset Growth (YoY)3.43%2.42%8.84%7.92%6.74%+331 bps
Loan Growth (YoY)3.16%3.31%7.13%6.83%9.13%+597 bps
Deposit Growth (YoY)4.90%1.68%8.07%7.40%4.81%-9 bps
Asset Quality
Nonperforming Loans / Loans0.41%0.41%0.01%0.04%0.11%-30 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.01%0.01%+1 bps
Allowance / Loans1.47%1.45%1.40%1.39%1.35%-12 bps
Allowance Coverage of NPLs3.6x3.6x97.6x34.6x12.5x+8.9x
Capital
Tier 1 Leverage Ratio12.69%12.78%12.86%12.70%13.07%+39 bps
Total Risk-Based Capital17.56%17.55%17.53%18.02%17.97%+42 bps
Equity / Assets11.80%12.28%12.02%12.22%12.55%+75 bps
Liquidity & Funding
Loans / Deposits89.10%92.17%89.28%89.73%92.78%+367 bps
Liquid Assets / Assets4.48%1.16%2.54%2.85%1.26%-322 bps
CRE / Total Capitaln/a231%238%238%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

Mound City Bank

Platteville, WI · Cert 9037 · Peer group: banks under $1B in assets in WI (n=110-113) · Mound Cty Finl Services Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$550.7MAssets
$434.2MLoans
$468.0MDeposits
$69.1MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 80% of banks under $1B in assets in WI (rank 23 of 113).
  • Widest gap: net charge-offs / loans trails 67% of banks under $1B in assets in WI (rank 76 of 110).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.66%

Rank 23 of 113

Net Interest Margin

3.47%

Rank 65 of 113

Efficiency Ratio

54.61%

Rank 29 of 113

Equity / Assets

12.55%

Rank 35 of 113

Non-interest income vs. expense

$5.2M$13.3MINCOMEEXPENSE
Unfavorable gap of $8.1M · efficiency ratio beats 75% of banks under $1B in assets in WI
Bank 54.61%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.66%0.85%1.17%1.51%Beats 80%23 / 113
Return on Equity13.20%7.70%10.77%13.67%Beats 70%34 / 113
Net Interest Margin3.47%3.19%3.59%3.89%Beats 42%65 / 113
Efficiency Ratio54.61%54.61%62.43%71.88%Beats 75%29 / 113
Asset Quality
Nonperforming Loans / Loans0.11%0.03%0.24%0.91%Beats 61%44 / 110
Net Charge-Offs / Loans0.01%n/a0.00%0.01%Beats 33%76 / 110
Capital
Tier 1 Capital Ratio16.72%11.22%12.95%15.76%Beats 78%25 / 113
Total Risk-Based Capital Ratio17.97%11.57%13.59%16.73%Beats 80%23 / 113
Equity / Assets12.55%9.17%10.74%13.13%Beats 69%35 / 113
Liquidity & Funding
Loans / Deposits92.78%76.54%86.37%98.93%64th pctl40 / 112
Loans / Assets78.84%63.07%71.33%78.84%74th pctl29 / 113
Brokered Deposits / Depositsn/aNot reported for this institution