dear shareholders and friends,
Late last year, I had the privilege of marking my 10th anniversary as President and CEO of Bankers’ Bank. Reflecting on the past decade, it is remarkable how rapidly our industry continues to evolve. The accelerating pace of change is one of the many reasons I have always appreciated the dynamic nature of community banking.
That change is clearly shaping the future of our industry. At Bankers’ Bank, our teams are deeply engaged in evaluating emerging trends and technologies that will influence community banks in the years ahead. Our Digital Assets Working Group is actively researching developments such as stablecoins, deposit tokens, and digital custody solutions. We continue to enhance our Risk Insights Enterprise Risk Management platform by expanding its forward-looking capabilities, complementing our existing current-condition metrics. Our Technology and Analytics division is also focused on exploring innovative solutions across a broad range of topics relevant to community banks.
These efforts, and many others underway throughout the organization, are foundational to the development of our 2027–2029 Strategic Plan, which we are shaping throughout this year. We look forward to sharing these ideas and solutions in the coming months. I am also pleased to report that 2025 was a very good year for Bankers’ Bank. Net income increased 25%, driven by strong performance in both margin and nonmargin businesses. In December, we were proud to distribute a dividend of $105 per share, representing a 5% increase over 2024 and providing a 1.54% cash return to shareholders. Our 2025 Book Value Per Share reached $7,252—a 6% increase from 2024 and the highest in our company’s history. Our capital levels remain very strong, with a Tier 1 Leverage Ratio of 14.03% and Total Risk-Based Capital of 16.83%.
As we look to 2026, we remain optimistic. Community banks across our six-state region continue to demonstrate strong financial health, and our results reflect the strength of our customers. As noted on page three of this report, in-bank visits remain central to our approach and to our shared success. I often tell our customers, “We will visit you as often as you’ll let us.” Those conversations provide invaluable insights, and we look forward to spending time with many of you in the months ahead.
Your support and investment remain vital to our success, and we are truly grateful. We value our relationships and are excited for the opportunities that 2026 holds.
Brad Stamper
President & CEO
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Annual Meeting Notice
The Annual Meeting of the Shareholders of Bankers’ Bancorporation, Inc. will be held on Thursday, April 23, 2026, beginning at 10:00 a.m. CST. The meeting will be held at the offices of the Corporation, 7700 Mineral Point Road, Madison, WI 53717. Copies of the meeting notice and proxy statements will be sent to all shareholders of record as of March 24, 2026.
To ensure a quorum for the meeting and that your vote is counted, the Company encourages shareholders to complete and return their proxies by mail or email ([email protected]) by following the instructions contained within the proxy materials.
Bankers’ Bancorporation, Inc. is a registered bank holding company. Bankers’ Bank is the sole banking subsidiary and a member of the Federal Reserve System; deposits are insured by the FDIC.