PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Banner Banks

Birnamwood, WI · Cert 10374

State charter, non-member · 4 branches

Q1 2026

$131.6MAssets
$25.7MLoans
$114.9MDeposits
$16.4MEquity
Loan mix
92%RE $22.4M8%C&I $1.8M1%Consumer $0.2MQ2 2024Q1 2026
Deposit mix
77%Interest-bearing $88.5M23%Noninterest $26.5MQ2 2024Q1 2026

Market Position · Wausau, WI · 2025 SOD (annual) · 0.5% share · #14 of 17 inst. · $0.0B of $5.2B

10.1% Shawano
0.5% Marathon
9.3% Langlade

Executive Summary

  • Earnings: ROA of 0.55%, down 32 bps year over year; NIM at 2.93%.
  • Asset quality: problem loans at 0.52% of loans (+52 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.52%, down 366 bps from a year ago.
  • Funding: loans stand at 22.34% of deposits as of Q1 2026.

Return on Assets (YTD, annualized)

0.55%-32 bps YoY

Net Interest Margin (YTD, annualized)

2.93%-17 bps YoY

Efficiency Ratio (YTD, annualized)

71.05%+627 bps YoY

Tier 1 Leverage Ratio

9.52%-366 bps YoY

NIM

4.01%Q1 ’244.09%Q1 ’253.80%Q1 ’26+3%-5%

Non-interest income vs. expense

1.97%Q1 ’242.05%Q1 ’252.27%Q1 ’26+4%+11%

Year to date, annualized, through each quarter.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026YoY ΔTrend
Earnings
Return on Assets1.21%1.15%1.07%0.87%0.91%1.00%0.00%10.55%-32 bps
Return on Equity10.01%9.37%8.70%6.92%7.17%7.77%0.01%4.34%-258 bps
Net Interest Margin3.07%3.07%3.07%3.10%3.20%3.20%0.09%2.93%-17 bps
Efficiency Ratio62.12%61.47%62.53%64.78%62.25%60.55%100.89%71.05%+627 bps
Non-Interest Burden1.88%1.86%1.89%1.98%1.96%1.91%0.08%2.21%+23 bps
Growth
Asset Growth (YoY)-1.32%-0.69%6.13%6.30%3.27%4.14%6.14%7.15%+85 bps
Loan Growth (YoY)-14.67%-8.13%-2.32%-2.49%-9.39%-6.84%-12.70%-19.58%-1,708 bps
Deposit Growth (YoY)-3.19%-3.30%5.59%5.74%2.10%3.58%5.57%7.72%+198 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.46%0.48%0.52%+52 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.96%0.98%0.99%0.99%1.21%1.05%1.53%1.60%+61 bps
Allowance Coverage of NPLsn/an/an/an/an/a2.3x3.2x3.1xn/a
Capital
Tier 1 Leverage Ratio13.30%13.29%13.38%13.18%13.56%13.64%9.33%9.52%-366 bps
Total Risk-Based Capital13.30%13.29%13.38%13.18%13.56%13.64%9.33%9.52%-366 bps
Equity / Assets12.15%12.91%12.18%12.88%13.11%13.45%12.73%12.48%-40 bps
Liquidity & Funding
Loans / Deposits30.49%30.29%29.23%29.92%27.06%27.24%24.17%22.34%-758 bps
Liquid Assets / Assets35.32%43.58%41.12%44.93%45.61%46.16%52.85%28.87%-1,606 bps
CRE / Total Capitaln/an/an/an/an/a84.01%116.54%103.37%n/a