Birnamwood, WI · Cert 10374
State charter, non-member · 4 branches
Q1 2026
Market Position · Wausau, WI · 2025 SOD (annual) · 0.5% share · #14 of 17 inst. · $0.0B of $5.2B
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 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.87% | 0.91% | 1.00% | 0.00%1 | 0.55% | -32 bps | |
| Return on Equity | 6.92% | 7.17% | 7.77% | 0.01% | 4.34% | -258 bps | |
| Net Interest Margin | 3.10% | 3.20% | 3.20% | 0.09% | 2.93% | -17 bps | |
| Efficiency Ratio | 64.78% | 62.25% | 60.55% | 100.89% | 71.05% | +627 bps | |
| Non-Interest Burden | 1.98% | 1.96% | 1.91% | 0.08% | 2.21% | +23 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.30% | 3.27% | 4.14% | 6.14% | 7.15% | +85 bps | |
| Loan Growth (YoY) | -2.49% | -9.39% | -6.84% | -12.70% | -19.58% | -1,708 bps | |
| Deposit Growth (YoY) | 5.74% | 2.10% | 3.58% | 5.57% | 7.72% | +198 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.46% | 0.48% | 0.52% | +52 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.99% | 1.21% | 1.05% | 1.53% | 1.60% | +61 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 2.3x | 3.2x | 3.1x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.18% | 13.56% | 13.64% | 9.33% | 9.52% | -366 bps | |
| Total Risk-Based Capital | 13.18% | 13.56% | 13.64% | 9.33% | 9.52% | -366 bps | |
| Equity / Assets | 12.88% | 13.11% | 13.45% | 12.73% | 12.48% | -40 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 29.92% | 27.06% | 27.24% | 24.17% | 22.34% | -758 bps | |
| Liquid Assets / Assets | 44.93% | 45.61% | 46.16% | 52.85% | 28.87% | -1,606 bps | |
| CRE / Total Capital | n/a | n/a | 84.01% | 116.54% | 103.37% | n/a | |