Grand Rapids, MN · Cert 10962 · Wilcox Bancshares Inc.
State charter, Fed member · FED · 2 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 MN (n=111 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
15
Asset Quality
94
Profitability
94
Liquidity
43
Efficiency
58
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.
Grand Rapids, MN · Cert 10962 · Wilcox Bancshares Inc.
State charter, Fed member · FED · 1 affiliate bank · 2 branches (4 in holding)
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 | 1.04% | 1.12% | 1.15% | -0.93% | 0.09% | 0.43% | 1.53% | 1.85% | +279 bps | |
| Return on Equity | 12.21% | 12.87% | 11.95% | -10.03% | 0.99% | 4.76% | 17.16% | 20.53% | +3,056 bps | |
| Net Interest Margin | 4.36% | 4.48% | 4.75% | 4.80% | 4.68% | 4.68% | 4.94% | 4.95% | +15 bps | |
| Efficiency Ratio | 73.03% | 71.89% | 73.29% | 71.20% | 68.41% | 68.38% | 63.73% | 59.42% | -1,178 bps | |
| Non-Interest Burden | 3.03% | 3.06% | 3.29% | 3.22% | 3.01% | 3.01% | 2.88% | 2.55% | -67 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.87% | -4.63% | -2.88% | -0.67% | -0.03% | 6.21% | 11.53% | 10.04% | +1,071 bps | |
| Loan Growth (YoY) | 11.47% | 6.97% | 7.02% | 1.88% | -0.89% | -5.49% | -7.89% | -8.35% | -1,024 bps | |
| Deposit Growth (YoY) | -0.64% | -6.05% | -4.38% | -1.76% | 0.07% | 6.63% | 12.90% | 10.51% | +1,227 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.02% | 2.02% | 2.08% | 2.11% | 0.09% | 0.09% | 0.02% | -206 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 2.16% | 0.00% | -0.04% | -4 bps | |
| Allowance / Loans | 0.73% | 0.73% | 0.71% | 2.64% | 2.67% | 0.66% | 0.70% | 0.74% | -190 bps | |
| Allowance Coverage of NPLs | 41.5x | 41.5x | 0.4x | 1.3x | 1.3x | 7.1x | 7.4x | 39.1x | +37.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.22% | 10.45% | 10.86% | 9.71% | 9.47% | 9.45% | 9.68% | 10.03% | +32 bps | |
| Total Risk-Based Capital | 10.22% | 10.45% | 10.86% | 9.71% | 9.47% | 9.45% | 9.68% | 10.03% | +32 bps | |
| Equity / Assets | 8.93% | 9.32% | 9.86% | 8.71% | 8.81% | 8.98% | 8.88% | 9.22% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.38% | 71.83% | 77.96% | 73.06% | 67.73% | 63.67% | 63.61% | 60.59% | -1,247 bps | |
| Liquid Assets / Assets | 8.57% | 6.81% | 2.88% | 9.75% | 14.68% | 16.28% | 17.61% | 17.29% | +755 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 403% | 372% | 371% | n/a | n/a | |
Grand Rapids, MN · Cert 10962 · Peer group: banks under $1B in assets in MN (n=111-113) · Wilcox Bancshares Inc.
State charter, Fed member · FED · 1 affiliate bank · 2 branches (4 in holding)
Q2 2026
Return on Assets
1.83%
Rank 10 of 113
Net Interest Margin
4.95%
Rank 6 of 113
Efficiency Ratio
59.42%
Rank 49 of 113
Equity / Assets
9.22%
Rank 77 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.83% | 0.87% | 1.20% | 1.41% | Beats 91% | 10 / 113 | ||
| Return on Equity | 19.80% | 8.92% | 11.27% | 13.99% | Beats 96% | 5 / 113 | ||
| Net Interest Margin | 4.95% | 3.42% | 3.88% | 4.31% | Beats 95% | 6 / 113 | ||
| Efficiency Ratio | 59.42% | 54.13% | 61.48% | 69.86% | Beats 58% | 49 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.02% | 0.09% | 0.58% | 1.82% | Beats 87% | 15 / 111 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 100% | 36 / 111 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.03% | 11.53% | 13.31% | 18.13% | Beats 6% | 106 / 113 | ||
| Total Risk-Based Capital Ratio | 10.03% | 12.12% | 14.43% | 19.39% | Beats 6% | 106 / 113 | ||
| Equity / Assets | 9.22% | 8.52% | 10.10% | 11.94% | Beats 32% | 77 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 60.59% | 62.08% | 77.32% | 88.06% | 20th pctl | 89 / 111 | ||
| Loans / Assets | 54.32% | 55.01% | 66.35% | 75.50% | 22nd pctl | 88 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||