State Bank Financial
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
$512.1MAssets
$347.6MLoans
$439.0MDeposits
$47.9MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 62% of banks under $1B in assets in WI (rank 43 of 110).
- Widest gap: net interest margin trails 83% of banks under $1B in assets in WI (rank 94 of 113).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $9.1M · efficiency ratio beats 50% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |