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 | |