Milton, WI · Cert 11232 · Milton Bancshares Inc.
State charter, non-member · FDIC · 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 WI (n=110 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
8
Asset Quality
54
Profitability
83
Liquidity
88
Efficiency
81
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.
Milton, WI · Cert 11232 · Milton Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Janesville-Beloit, WI · 2026 SOD (annual) · 5.6% share · #7 of 18 inst. · $0.2B of $3.5B
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 | 1.59% | 1.62% | 1.51% | 1.63% | 1.72% | 1.47% | 1.47% | 1.55% | -8 bps | |
| Return on Equity | 20.53% | 21.21% | 20.55% | 21.20% | 22.04% | 18.86% | 18.74% | 19.36% | -184 bps | |
| Net Interest Margin | 3.91% | 3.87% | 3.70% | 4.02% | 3.90% | 3.72% | 3.86% | 3.98% | -4 bps | |
| Efficiency Ratio | 47.60% | 47.30% | 51.55% | 48.96% | 47.61% | 47.07% | 52.60% | 50.20% | +124 bps | |
| Non-Interest Burden | 1.68% | 1.65% | 1.75% | 1.76% | 1.70% | 1.59% | 1.88% | 1.83% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.63% | 15.31% | 9.61% | 8.73% | 15.14% | 12.64% | 7.58% | 5.10% | -363 bps | |
| Loan Growth (YoY) | 12.37% | 10.27% | 8.47% | 18.13% | 18.78% | 18.56% | 15.58% | 6.51% | -1,162 bps | |
| Deposit Growth (YoY) | 7.84% | 13.01% | 8.86% | 3.42% | 8.65% | 6.53% | 3.90% | 6.53% | +311 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.08% | 0.03% | 0.04% | 0.03% | 0.02% | 2.36% | 2.41% | 2.34% | +230 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.06% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.32% | 1.31% | 1.33% | 1.20% | 1.22% | 1.57% | 1.64% | 1.64% | +43 bps | |
| Allowance Coverage of NPLs | 17.5x | 38.5x | 37.6x | 39.8x | 59.7x | 0.7x | 0.7x | 0.7x | -39.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.12% | 9.24% | 8.90% | 9.53% | 9.14% | 8.60% | 8.98% | 9.51% | -2 bps | |
| Total Risk-Based Capital | 9.12% | 9.24% | 8.90% | 9.53% | 9.14% | 8.60% | 8.98% | 9.51% | -2 bps | |
| Equity / Assets | 8.42% | 7.12% | 7.61% | 8.31% | 8.07% | 7.81% | 7.89% | 8.28% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.92% | 76.73% | 77.89% | 88.92% | 88.46% | 85.40% | 86.64% | 88.91% | -1 bps | |
| Liquid Assets / Assets | 2.53% | 7.27% | 3.55% | 0.54% | 4.15% | 4.48% | 3.37% | 2.79% | +225 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 457% | 443% | 435% | n/a | n/a | |
Milton, WI · Cert 11232 · Peer group: banks under $1B in assets in WI (n=110-113) · Milton Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
1.58%
Rank 27 of 113
Net Interest Margin
3.98%
Rank 24 of 113
Efficiency Ratio
50.20%
Rank 23 of 113
Equity / Assets
8.28%
Rank 98 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.58% | 0.85% | 1.17% | 1.51% | Beats 76% | 27 / 113 | ||
| Return on Equity | 19.04% | 7.70% | 10.77% | 13.67% | Beats 95% | 6 / 113 | ||
| Net Interest Margin | 3.98% | 3.19% | 3.59% | 3.89% | Beats 79% | 24 / 113 | ||
| Efficiency Ratio | 50.20% | 54.61% | 62.43% | 71.88% | Beats 81% | 23 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.34% | 0.03% | 0.24% | 0.91% | Beats 7% | 103 / 110 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 100% | 37 / 110 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.51% | 11.22% | 12.95% | 15.76% | Beats 5% | 107 / 113 | ||
| Total Risk-Based Capital Ratio | 9.51% | 11.57% | 13.59% | 16.73% | Beats 5% | 107 / 113 | ||
| Equity / Assets | 8.28% | 9.17% | 10.74% | 13.13% | Beats 13% | 98 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 88.91% | 76.54% | 86.37% | 98.93% | 57th pctl | 48 / 112 | ||
| Loans / Assets | 77.78% | 63.07% | 71.33% | 78.84% | 68th pctl | 36 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||