Oostburg, WI · Cert 10380 · Oostburg Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Sheboygan, WI · 2026 SOD (annual) · 13.0% share · #2 of 13 inst. · $0.4B of $3.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.26% | 0.73% | 1.13% | 1.07% | 1.39% | 0.93% | 1.21% | 1.57% | +50 bps | |
| Return on Equity | 11.61% | 6.99% | 11.17% | 10.10% | 12.91% | 8.77% | 11.56% | 14.69% | +459 bps | |
| Net Interest Margin | 3.31% | 3.29% | 3.26% | 3.43% | 3.64% | 3.73% | 3.73% | 3.94% | +51 bps | |
| Efficiency Ratio | 59.73% | 76.42% | 64.80% | 67.52% | 60.26% | 74.54% | 62.66% | 57.14% | -1,038 bps | |
| Non-Interest Burden | 1.80% | 2.41% | 1.99% | 2.18% | 2.01% | 2.68% | 2.20% | 2.06% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.88% | 11.16% | 9.96% | 8.68% | 10.59% | 10.00% | 9.96% | 12.74% | +406 bps | |
| Loan Growth (YoY) | 7.13% | 9.58% | 5.88% | 7.70% | 8.01% | 9.09% | 12.60% | 12.17% | +447 bps | |
| Deposit Growth (YoY) | 7.74% | 12.03% | 10.18% | 8.55% | 10.85% | 9.62% | 10.02% | 12.96% | +441 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.35% | 0.29% | 0.27% | 0.41% | 0.16% | 0.20% | 0.28% | 0.13% | -28 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.00% | 0.00% | 0.02% | 0.00% | 0.00% | 0.25% | +25 bps | |
| Allowance / Loans | 1.52% | 1.49% | 1.48% | 1.45% | 1.41% | 1.36% | 1.31% | 1.23% | -22 bps | |
| Allowance Coverage of NPLs | 4.4x | 5.2x | 5.4x | 3.5x | 9.1x | 6.8x | 4.7x | 9.3x | +5.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.14% | 11.45% | 11.56% | 11.86% | 11.74% | 11.15% | 11.32% | 11.64% | -22 bps | |
| Total Risk-Based Capital | 15.15% | 14.58% | 14.68% | 14.93% | 14.88% | 14.24% | 14.34% | 14.38% | -54 bps | |
| Equity / Assets | 11.03% | 9.89% | 10.37% | 10.76% | 10.82% | 10.34% | 10.54% | 10.83% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.74% | 79.42% | 80.99% | 83.21% | 80.62% | 79.04% | 82.89% | 82.63% | -58 bps | |
| Liquid Assets / Assets | 1.27% | 0.89% | 0.89% | 0.28% | 0.37% | 0.11% | 0.45% | 0.52% | +24 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 300% | 312% | 310% | n/a | n/a | |