Fond Du Lac, WI · Cert 10044 · Neb Corp.
National charter · OCC · 33 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
94
Asset Quality
44
Profitability
57
Liquidity
51
Efficiency
82
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.
Fond Du Lac, WI · Cert 10044 · Neb Corp.
National charter · OCC · 33 branches
Q2 2026
Market Position · Fond du Lac, WI · 2026 SOD (annual) · 45.8% share · #1 of 11 inst. · $1.3B of $2.9B
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 | 1.16% | 1.21% | 1.39% | 1.41% | 1.50% | 1.50% | 1.68% | 1.69% | +28 bps | |
| Return on Equity | 6.96% | 7.22% | 8.14% | 8.08% | 8.46% | 8.37% | 8.84% | 8.80% | +72 bps | |
| Net Interest Margin | 3.37% | 3.34% | 3.31% | 3.37% | 3.50% | 3.55% | 3.64% | 3.71% | +34 bps | |
| Efficiency Ratio | 48.36% | 48.89% | 48.55% | 48.19% | 47.71% | 46.41% | 48.51% | 48.90% | +71 bps | |
| Non-Interest Burden | 1.38% | 1.38% | 1.32% | 1.35% | 1.40% | 1.38% | 1.50% | 1.56% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.44% | 2.75% | 5.18% | 4.66% | 1.86% | 2.00% | -0.59% | 0.12% | -454 bps | |
| Loan Growth (YoY) | -1.25% | -4.17% | -0.35% | 1.99% | 2.71% | 5.65% | -0.48% | 1.06% | -93 bps | |
| Deposit Growth (YoY) | 8.37% | 5.53% | 6.72% | 3.98% | -0.10% | -1.04% | -3.16% | -2.94% | -692 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.33% | 2.83% | 2.82% | 2.64% | 2.15% | 1.93% | 1.02% | 0.37% | -227 bps | |
| Net Charge-Offs / Loans | 0.75% | 0.56% | 0.49% | 0.46% | 0.30% | 0.21% | -0.03% | -0.07% | -53 bps | |
| Allowance / Loans | 2.94% | 3.01% | 2.91% | 2.89% | 2.92% | 3.00% | 3.10% | 2.98% | +9 bps | |
| Allowance Coverage of NPLs | 0.9x | 1.1x | 1.0x | 1.1x | 1.4x | 1.6x | 3.0x | 8.1x | +7.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 18.21% | 18.28% | 18.20% | 18.63% | 19.14% | 19.09% | 19.53% | 20.06% | +143 bps | |
| Total Risk-Based Capital | 18.21% | 18.28% | 18.20% | 18.63% | 19.14% | 19.09% | 19.53% | 20.06% | +143 bps | |
| Equity / Assets | 17.25% | 17.05% | 17.15% | 18.07% | 18.56% | 18.98% | 18.94% | 19.77% | +170 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.75% | 69.73% | 69.79% | 72.31% | 72.74% | 74.44% | 71.72% | 75.29% | +298 bps | |
| Liquid Assets / Assets | 5.54% | 5.44% | 3.65% | 1.36% | 2.74% | 2.08% | 2.11% | 1.13% | -23 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 174.16% | 171.41% | 159.59% | n/a | n/a | |
Fond Du Lac, WI · Cert 10044 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Neb Corp.
National charter · OCC · 33 branches
Q2 2026
Return on Assets
1.71%
Rank 38 of 258
Net Interest Margin
3.71%
Rank 88 of 258
Efficiency Ratio
49.35%
Rank 47 of 257
Equity / Assets
19.77%
Rank 6 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.71% | 0.93% | 1.23% | 1.54% | Beats 85% | 38 / 258 | ||
| Return on Equity | 8.63% | 9.26% | 11.84% | 14.74% | Beats 21% | 204 / 258 | ||
| Net Interest Margin | 3.71% | 3.16% | 3.49% | 3.88% | Beats 66% | 88 / 258 | ||
| Efficiency Ratio | 49.35% | 51.71% | 60.30% | 69.65% | Beats 82% | 47 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.37% | 0.19% | 0.46% | 0.90% | Beats 59% | 108 / 258 | ||
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.02% | 0.07% | Beats 28% | 189 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.06% | 11.41% | 12.98% | 15.12% | Beats 93% | 18 / 258 | ||
| Total Risk-Based Capital Ratio | 20.06% | 12.10% | 13.91% | 16.08% | Beats 91% | 23 / 258 | ||
| Equity / Assets | 19.77% | 9.09% | 10.24% | 11.72% | Beats 98% | 6 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.29% | 73.24% | 86.34% | 95.95% | 28th pctl | 186 / 258 | ||
| Loans / Assets | 58.79% | 63.01% | 72.27% | 78.40% | 17th pctl | 213 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||