PackageTrendsPeer
Letter portraitLegal landscape

Bristol Morgan Bank

Oakfield, WI · Cert 9523 · Oakfield Bcorp Inc.

State charter, Fed member · FED · 4 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

56

Q2 2024Q2 2026peer median (50)

Asset Quality

31

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

42

Q2 2024Q2 2026peer median

Efficiency

24

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

Bristol Morgan Bank

Oakfield, WI · Cert 9523 · Oakfield Bcorp Inc.

State charter, Fed member · FED · 4 branches

Q2 2026

$191.2MAssets
$154.7MLoans
$157.1MDeposits
$19.8MEquity
Loan mix
90%RE $144.0M9%C&I $14.6M1%Consumer $0.9MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $136.7M13%Noninterest $20.4MQ2 2025Q2 2026

NIM

5.40%Q2 ’245.72%Q2 ’256.06%Q2 ’26+4%+5%

Non-interest income vs. expense

3.23%Q2 ’242.89%Q2 ’253.01%Q2 ’26-20%+5%

Market Position · Fond du Lac, WI · 2026 SOD (annual) · 5.2% share · #9 of 11 inst. · $0.2B of $2.9B

5.2% Fond du Lac
0.3% Winnebago

Executive Summary

  • Earnings: ROA of 0.91%, up 9 bps year over year; NIM at 3.95%.
  • Asset quality: problem loans at 0.43% of loans (-18 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 10.25%, down 56 bps from a year ago.
  • Funding: loans stand at 98.49% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.91%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.95%+20 bps YoY

Efficiency Ratio (YTD, annualized)

72.66%-44 bps YoY

Tier 1 Leverage Ratio

10.25%-56 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.75%0.84%0.61%0.91%+9 bps
Return on Equity7.70%7.03%7.97%6.17%9.01%+130 bps
Net Interest Margin3.75%3.83%3.83%3.94%3.95%+20 bps
Efficiency Ratio73.10%75.33%72.97%81.20%72.66%-44 bps
Non-Interest Burden2.69%2.84%2.75%3.17%2.83%+13 bps
Growth
Asset Growth (YoY)11.03%5.39%10.52%15.62%8.15%-288 bps
Loan Growth (YoY)9.58%7.11%9.08%14.70%6.08%-351 bps
Deposit Growth (YoY)11.63%4.77%10.11%18.44%19.43%+781 bps
Asset Quality
Nonperforming Loans / Loans0.61%0.44%0.42%0.54%0.43%-18 bps
Net Charge-Offs / Loans-0.11%-0.08%-0.07%-0.04%-0.02%+8 bps
Allowance / Loans1.05%1.07%1.06%1.07%1.13%+9 bps
Allowance Coverage of NPLs1.7x2.4x2.5x2.0x2.7x+0.9x
Capital
Tier 1 Leverage Ratio10.82%10.85%10.25%10.24%10.25%-56 bps
Total Risk-Based Capital14.68%14.07%14.02%13.68%15.03%+35 bps
Equity / Assets10.59%10.69%9.89%10.01%10.37%-22 bps
Liquidity & Funding
Loans / Deposits110.88%107.66%105.29%106.35%98.49%-1,240 bps
Liquid Assets / Assets3.10%1.01%0.43%2.25%4.32%+122 bps
CRE / Total Capitaln/a389%435%422%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

Bristol Morgan Bank

Oakfield, WI · Cert 9523 · Peer group: banks under $1B in assets in WI (n=110-113) · Oakfield Bcorp Inc.

State charter, Fed member · FED · 4 branches

Q2 2026

$191.2MAssets
$154.7MLoans
$157.1MDeposits
$19.8MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 77% of banks under $1B in assets in WI (rank 26 of 113).
  • Widest gap: efficiency ratio trails 76% of banks under $1B in assets in WI (rank 87 of 113).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.91%

Rank 82 of 113

Net Interest Margin

3.95%

Rank 26 of 113

Efficiency Ratio

72.81%

Rank 87 of 113

Equity / Assets

10.37%

Rank 64 of 113

Non-interest income vs. expense

$0.4M$5.9MINCOMEEXPENSE
Unfavorable gap of $5.5M · efficiency ratio beats 24% of banks under $1B in assets in WI
Bank 72.81%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.91%0.85%1.17%1.51%Beats 27%82 / 113
Return on Equity8.80%7.70%10.77%13.67%Beats 29%80 / 113
Net Interest Margin3.95%3.19%3.59%3.89%Beats 77%26 / 113
Efficiency Ratio72.81%54.61%62.43%71.88%Beats 24%87 / 113
Asset Quality
Nonperforming Loans / Loans0.43%0.03%0.24%0.91%Beats 37%70 / 110
Net Charge-Offs / Loans0.01%n/a0.00%0.01%Beats 25%84 / 110
Capital
Tier 1 Capital Ratio13.78%11.22%12.95%15.76%Beats 61%44 / 113
Total Risk-Based Capital Ratio15.03%11.57%13.59%16.73%Beats 65%39 / 113
Equity / Assets10.37%9.17%10.74%13.13%Beats 43%64 / 113
Liquidity & Funding
Loans / Deposits98.49%76.54%86.37%98.93%74th pctl29 / 112
Loans / Assets80.92%63.07%71.33%78.84%78th pctl25 / 113
Brokered Deposits / Depositsn/aNot reported for this institution