Waumandee, WI · Cert 10384 · Waumandee Bancshares Ltd.
State charter, non-member · FDIC · 8 branches
Q2 2026
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 | 0.73% | 0.92% | 0.58% | 0.90% | 0.92% | 2.44% | 1.06% | 1.25% | +35 bps | |
| Return on Equity | 6.80% | 8.58% | 5.44% | 8.39% | 8.45% | 22.23% | 9.74% | 11.41% | +302 bps | |
| Net Interest Margin | 3.59% | 3.77% | 3.69% | 3.80% | 4.03% | 4.19% | 3.95% | 4.10% | +30 bps | |
| Efficiency Ratio | 81.61% | 71.06% | 77.74% | 68.28% | 68.28% | 40.63% | 64.17% | 59.86% | -842 bps | |
| Non-Interest Burden | 2.82% | 2.55% | 2.75% | 2.46% | 2.61% | 0.84% | 2.38% | 2.29% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.64% | 1.62% | 2.41% | 3.68% | 3.39% | 3.05% | 3.62% | 1.23% | -245 bps | |
| Loan Growth (YoY) | 5.72% | 4.43% | 1.83% | 3.17% | 3.73% | 1.10% | -3.60% | -2.91% | -608 bps | |
| Deposit Growth (YoY) | 0.38% | 0.60% | 5.86% | 4.95% | 4.72% | 6.65% | 5.34% | 4.13% | -82 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.55% | 0.73% | 0.84% | 1.78% | 1.40% | 0.75% | 0.79% | 0.60% | -118 bps | |
| Net Charge-Offs / Loans | 0.02% | -0.01% | 0.40% | 0.00% | 0.36% | 0.36% | 0.00% | 0.01% | 0 bps | |
| Allowance / Loans | 1.06% | 1.05% | 1.01% | 1.04% | 1.00% | 1.00% | 1.11% | 1.15% | +11 bps | |
| Allowance Coverage of NPLs | 1.9x | 1.4x | 1.2x | 0.6x | 0.7x | 1.3x | 1.4x | 1.9x | +1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.14% | 9.28% | 9.05% | 9.25% | 9.24% | 9.28% | 9.27% | 9.39% | +14 bps | |
| Total Risk-Based Capital | 12.89% | 13.15% | 13.21% | 13.45% | 13.46% | 14.18% | 14.87% | 15.00% | +155 bps | |
| Equity / Assets | 10.83% | 10.63% | 10.64% | 10.88% | 10.99% | 10.94% | 10.88% | 11.09% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.30% | 91.96% | 89.20% | 90.32% | 91.43% | 87.17% | 81.63% | 84.21% | -610 bps | |
| Liquid Assets / Assets | 1.35% | 2.44% | 2.48% | 2.08% | 1.86% | 4.85% | 8.09% | 4.38% | +230 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 234% | 209% | 204% | n/a | n/a | |