New Glarus, WI · Cert 10378 · Bancorp of New Glarus Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · Madison, WI · 2026 SOD (annual) · 1.6% share · #18 of 41 inst. · $0.5B of $30.1B
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 | 0.97% | 1.11% | 1.25% | 1.38% | 1.41% | 1.36% | 1.72% | 1.64% | +26 bps | |
| Return on Equity | 12.01% | 13.64% | 14.66% | 15.80% | 15.72% | 14.91% | 17.72% | 16.63% | +83 bps | |
| Net Interest Margin | 2.77% | 2.93% | 3.57% | 3.68% | 3.71% | 3.66% | 3.81% | 3.88% | +20 bps | |
| Efficiency Ratio | 64.71% | 63.17% | 61.32% | 58.83% | 57.65% | 57.72% | 52.98% | 54.73% | -410 bps | |
| Non-Interest Burden | 1.55% | 1.59% | 1.94% | 1.89% | 1.83% | 1.80% | 1.54% | 1.71% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 61.84% | 55.88% | 54.76% | 6.69% | 4.36% | 6.89% | 8.31% | 6.00% | -68 bps | |
| Loan Growth (YoY) | 63.65% | 55.22% | 56.73% | 10.49% | 9.45% | 11.90% | 7.18% | 6.34% | -415 bps | |
| Deposit Growth (YoY) | 49.49% | 47.39% | 46.97% | 1.78% | 4.00% | 7.06% | 8.94% | 7.52% | +575 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.36% | 0.46% | 0.50% | 0.82% | 0.84% | 2.09% | 2.05% | 1.99% | +117 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.03% | 0.05% | 0.03% | 0.02% | 0.00% | 0.01% | -4 bps | |
| Allowance / Loans | 1.10% | 1.12% | 1.10% | 1.08% | 1.11% | 1.22% | 1.28% | 1.30% | +22 bps | |
| Allowance Coverage of NPLs | 3.0x | 2.4x | 2.2x | 1.3x | 1.3x | 0.6x | 0.6x | 0.7x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.97% | 8.12% | 8.39% | 8.69% | 9.05% | 8.98% | 9.26% | 9.54% | +84 bps | |
| Total Risk-Based Capital | 10.71% | 11.44% | 11.63% | 11.60% | 11.98% | 12.17% | 11.95% | 12.31% | +71 bps | |
| Equity / Assets | 8.44% | 8.33% | 8.77% | 9.05% | 9.61% | 9.63% | 9.76% | 10.11% | +106 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.66% | 92.93% | 96.47% | 97.82% | 99.62% | 97.13% | 94.91% | 96.74% | -107 bps | |
| Liquid Assets / Assets | 1.01% | 0.52% | 0.49% | 0.48% | 0.20% | 0.21% | 0.14% | 0.16% | -32 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 301% | 310% | 303% | n/a | n/a | |