Waumandee, WI · Cert 10384 · Waumandee Bancshares Ltd.
State charter, non-member · FDIC · 8 branches
Q2 2026
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 | 0.61% | 0.68% | 0.58% | 0.74% | 0.80% | 1.21% | 1.06% | 1.16% | +42 bps | |
| Return on Equity | 5.78% | 6.50% | 5.44% | 6.91% | 7.43% | 11.23% | 9.74% | 10.56% | +366 bps | |
| Net Interest Margin | 3.47% | 3.51% | 3.69% | 3.74% | 3.82% | 3.85% | 3.95% | 4.04% | +31 bps | |
| Efficiency Ratio | 81.43% | 78.68% | 77.74% | 72.97% | 71.33% | 61.64% | 64.17% | 61.99% | -1,098 bps | |
| Non-Interest Burden | 2.72% | 2.65% | 2.75% | 2.60% | 2.59% | 2.11% | 2.38% | 2.34% | -25 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 | 0.03% | 0.02% | 0.40% | 0.20% | 0.25% | 0.28% | 0.00% | 0.00% | -20 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 | |