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Birnamwood, WI · Cert 10374 · Peer group: banks under $1B in assets in WI (n=111-113)
State charter, non-member · 4 branches
Q1 2026
$131.6MAssets
$25.7MLoans
$114.9MDeposits
$16.4MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in WI (rank 61 of 111).
- Widest gap: total risk-based capital ratio trails 94% of banks under $1B in assets in WI (rank 106 of 113).
- Overall: at or above the peer median on 3 of 10 directional measures.
Return on Assets
0.55%
Rank 96 of 113
Net Interest Margin
2.93%
Rank 96 of 113
Efficiency Ratio
78.95%
Rank 91 of 113
Equity / Assets
12.48%
Rank 33 of 113
Non-interest income vs. expense
Unfavorable gap of $2.9M · efficiency ratio beats 20% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.55% | 0.76% | 1.13% | 1.44% | Beats 15% | 96 / 113 | |
| Return on Equity | 4.41% | 7.16% | 10.56% | 13.66% | Beats 11% | 101 / 113 | |
| Net Interest Margin | 2.93% | 3.10% | 3.49% | 3.86% | Beats 15% | 96 / 113 | |
| Efficiency Ratio | 78.95% | 56.63% | 64.62% | 74.40% | Beats 20% | 91 / 113 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.52% | 0.02% | 0.24% | 0.82% | Beats 35% | 73 / 111 | |
| Net Charge-Offs / Loans | 0.00% | n/a | n/a | 0.00% | Beats 100% | 61 / 111 | |
| Capital |
| Tier 1 Capital Ratio | 9.52% | 11.11% | 12.67% | 15.35% | Beats 7% | 105 / 113 | |
| Total Risk-Based Capital Ratio | 9.52% | 11.42% | 13.68% | 16.33% | Beats 6% | 106 / 113 | |
| Equity / Assets | 12.48% | 8.87% | 10.37% | 12.55% | Beats 71% | 33 / 113 | |
| Liquidity & Funding |
| Loans / Deposits | 22.34% | 73.91% | 84.63% | 99.37% | 1st pctl | 111 / 112 | |
| Loans / Assets | 19.51% | 61.74% | 71.57% | 80.25% | 2nd pctl | 111 / 113 | |
| Brokered Deposits / Deposits | 0.00% | n/a | 0.27% | 7.09% | Beats 100% | 49 / 112 | |