La Crosse, WI · Cert 10383 · First Bcorp Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in WI (n=110 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
50
Asset Quality
61
Profitability
33
Liquidity
72
Efficiency
50
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
La Crosse, WI · Cert 10383 · First Bcorp Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
Market Position · La Crosse-Onalaska, WI-MN · 2026 SOD (annual) · 7.2% share · #6 of 24 inst. · $0.4B of $4.9B
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 | 0.79% | 0.82% | 0.66% | 0.79% | 0.85% | 0.96% | 0.85% | 0.99% | +20 bps | |
| Return on Equity | 10.17% | 10.45% | 8.30% | 9.72% | 10.32% | 11.39% | 9.59% | 10.92% | +120 bps | |
| Net Interest Margin | 2.63% | 2.52% | 2.51% | 2.63% | 2.67% | 2.76% | 2.88% | 3.00% | +37 bps | |
| Efficiency Ratio | 67.32% | 66.61% | 69.58% | 66.53% | 64.85% | 63.54% | 67.49% | 62.43% | -410 bps | |
| Non-Interest Burden | 1.61% | 1.52% | 1.62% | 1.60% | 1.58% | 1.59% | 1.80% | 1.70% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.54% | -0.27% | 9.22% | 12.07% | 6.13% | 7.67% | 4.73% | 1.80% | -1,027 bps | |
| Loan Growth (YoY) | 3.97% | 5.55% | 9.98% | 7.60% | 14.42% | 12.39% | 7.05% | 15.21% | +761 bps | |
| Deposit Growth (YoY) | 8.94% | -2.61% | 9.66% | 14.46% | 6.62% | 8.14% | 5.05% | 3.08% | -1,138 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.35% | 0.33% | 0.31% | 0.26% | 0.21% | 0.11% | 0.11% | 0.11% | -15 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.02% | -0.07% | -0.02% | -0.03% | -0.02% | -0.06% | -0.03% | -1 bps | |
| Allowance / Loans | 1.00% | 0.95% | 0.95% | 1.00% | 0.92% | 0.86% | 0.88% | 0.87% | -13 bps | |
| Allowance Coverage of NPLs | 2.9x | 2.9x | 3.1x | 3.8x | 4.4x | 7.6x | 7.8x | 8.1x | +4.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.18% | 9.80% | 9.45% | 9.65% | 9.73% | 9.87% | 9.74% | 9.94% | +28 bps | |
| Total Risk-Based Capital | 14.87% | 14.30% | 14.42% | 14.91% | 14.47% | 14.57% | 15.12% | 14.65% | -26 bps | |
| Equity / Assets | 8.31% | 7.97% | 7.91% | 8.43% | 8.81% | 9.00% | 8.76% | 9.36% | +92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.94% | 77.78% | 71.50% | 70.84% | 73.99% | 80.84% | 72.87% | 79.18% | +834 bps | |
| Liquid Assets / Assets | 8.52% | 3.62% | 8.52% | 8.54% | 6.46% | 5.65% | 10.42% | 2.03% | -651 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 372% | 355% | 347% | n/a | n/a | |
La Crosse, WI · Cert 10383 · Peer group: banks under $1B in assets in WI (n=110-113) · First Bcorp Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
Return on Assets
1.01%
Rank 75 of 113
Net Interest Margin
3.00%
Rank 94 of 113
Efficiency Ratio
62.43%
Rank 57 of 113
Equity / Assets
9.36%
Rank 78 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.01% | 0.85% | 1.17% | 1.51% | Beats 34% | 75 / 113 | ||
| Return on Equity | 10.77% | 7.70% | 10.77% | 13.67% | Beats 49% | 58 / 113 | ||
| Net Interest Margin | 3.00% | 3.19% | 3.59% | 3.89% | Beats 17% | 94 / 113 | ||
| Efficiency Ratio | 62.43% | 54.61% | 62.43% | 71.88% | Beats 50% | 57 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.11% | 0.03% | 0.24% | 0.91% | Beats 62% | 43 / 110 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 60% | 45 / 110 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.73% | 11.22% | 12.95% | 15.76% | Beats 59% | 46 / 113 | ||
| Total Risk-Based Capital Ratio | 14.65% | 11.57% | 13.59% | 16.73% | Beats 61% | 44 / 113 | ||
| Equity / Assets | 9.36% | 9.17% | 10.74% | 13.13% | Beats 31% | 78 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.18% | 76.54% | 86.37% | 98.93% | 32nd pctl | 76 / 112 | ||
| Loans / Assets | 67.88% | 63.07% | 71.33% | 78.84% | 41st pctl | 67 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||