Whitewater, WI · Cert 11228 · Whitewater Bcorp Inc.
State charter, non-member · FDIC · 6 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.49% | 1.55% | 1.58% | 1.72% | 1.85% | +36 bps | |
| Return on Equity | 9.12% | 9.32% | 9.41% | 9.80% | 10.50% | +138 bps | |
| Net Interest Margin | 3.07% | 3.21% | 3.29% | 3.49% | 3.62% | +54 bps | |
| Efficiency Ratio | 50.15% | 49.64% | 49.48% | 48.67% | 47.13% | -302 bps | |
| Non-Interest Burden | 1.26% | 1.30% | 1.31% | 1.41% | 1.35% | +9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.76% | 5.63% | -0.58% | -0.87% | 6.22% | -454 bps | |
| Loan Growth (YoY) | 12.47% | 12.30% | 6.25% | 15.94% | 22.91% | +1,044 bps | |
| Deposit Growth (YoY) | 19.61% | 10.83% | -0.95% | -2.66% | -1.90% | -2,151 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.01% | 0.08% | 0.00% | 0 bps | |
| Allowance / Loans | 2.06% | 1.97% | 2.00% | 1.88% | 1.79% | -27 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 16.74% | 17.48% | 17.82% | 17.54% | 18.00% | +126 bps | |
| Total Risk-Based Capital | 16.74% | 17.48% | 17.82% | 17.54% | 18.00% | +126 bps | |
| Equity / Assets | 17.16% | 17.70% | 17.27% | 17.77% | 17.70% | +55 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.78% | 93.40% | 93.20% | 100.45% | 111.23% | +2,246 bps | |
| Liquid Assets / Assets | 26.49% | 24.15% | 22.13% | 20.10% | 18.25% | -824 bps | |
| CRE / Total Capital | n/a | 210% | 225% | 241% | n/a | n/a | |