Markesan, WI · Cert 10004 · FS Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.61% | 0.72% | 0.76% | 0.68% | 0.64% | -0.17% | 0.33% | -43 bps | |
| Return on Equity | 6.14% | 6.42% | 7.46% | 7.83% | 6.91% | 6.55% | -1.71% | 3.44% | -439 bps | |
| Net Interest Margin | 3.49% | 3.42% | 3.78% | 3.82% | 3.75% | 3.86% | 3.94% | 3.88% | +6 bps | |
| Efficiency Ratio | 79.38% | 78.74% | 76.63% | 74.90% | 77.54% | 75.53% | 86.85% | 81.45% | +655 bps | |
| Non-Interest Burden | 2.64% | 2.57% | 2.81% | 2.79% | 2.85% | 2.85% | 3.39% | 3.12% | +33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.67% | 1.25% | 3.03% | 5.68% | 4.92% | 7.21% | 9.45% | 12.59% | +691 bps | |
| Loan Growth (YoY) | 5.04% | 1.20% | 2.06% | 1.84% | -0.93% | 5.74% | 8.79% | 13.55% | +1,171 bps | |
| Deposit Growth (YoY) | 7.94% | 8.74% | 11.22% | 11.40% | 6.69% | 5.06% | 9.59% | 7.72% | -368 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.86% | 1.90% | 1.90% | 1.83% | 1.89% | 1.69% | 1.74% | 1.74% | -9 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.02% | 0.00% | 0.02% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.77% | 0.81% | 0.82% | 0.84% | 0.85% | 0.98% | 1.13% | 1.10% | +26 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.4x | 0.5x | 0.4x | 0.6x | 0.7x | 0.6x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.62% | 8.44% | 8.77% | 8.72% | 9.07% | 8.93% | 8.62% | 8.42% | -30 bps | |
| Total Risk-Based Capital | 10.49% | 11.04% | 11.00% | 11.02% | 11.53% | 11.54% | 11.22% | 10.72% | -30 bps | |
| Equity / Assets | 9.64% | 9.53% | 9.86% | 9.78% | 10.08% | 9.92% | 9.63% | 9.20% | -57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.14% | 92.96% | 96.88% | 94.29% | 92.06% | 93.55% | 96.17% | 99.39% | +510 bps | |
| Liquid Assets / Assets | 1.06% | 2.26% | 0.23% | 0.19% | 0.14% | 0.18% | 0.14% | 0.25% | +6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 321% | 340% | 390% | n/a | n/a | |