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 (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 | 1.26% | 1.32% | 1.15% | -3.21% | 1.67% | 1.41% | 1.53% | 2.17% | +538 bps | |
| Return on Equity | 14.38% | 14.46% | 11.95% | -34.62% | 19.02% | 15.88% | 17.16% | 23.99% | +5,861 bps | |
| Net Interest Margin | 4.54% | 4.76% | 4.75% | 4.91% | 5.01% | 4.98% | 4.94% | 5.01% | +10 bps | |
| Efficiency Ratio | 68.69% | 68.76% | 73.29% | 69.17% | 63.28% | 68.32% | 63.73% | 55.54% | -1,363 bps | |
| Non-Interest Burden | 2.93% | 3.07% | 3.29% | 3.20% | 2.95% | 3.23% | 2.88% | 2.24% | -96 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% | 0.01% | 0.00% | 0.01% | 0.02% | 8.63% | 0.00% | -0.07% | -8 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 | |