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 | |