Horicon, WI · Cert 11236 · Horicon Bk Profit Sharing&Employee STK Ownership Plan
State charter, non-member · FDIC · 19 branches
Q2 2026
Market Position · Milwaukee-Waukesha, WI · 2026 SOD (annual) · 0.4% share · #25 of 43 inst. · $0.3B of $79.9B
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 | 0.68% | 0.70% | 0.05% | 0.82% | 0.88% | 0.92% | 1.05% | 1.11% | +30 bps | |
| Return on Equity | 7.08% | 7.34% | 0.49% | 8.16% | 8.71% | 9.07% | 10.26% | 10.83% | +268 bps | |
| Net Interest Margin | 3.29% | 3.30% | 3.73% | 3.81% | 3.81% | 3.80% | 4.00% | 4.00% | +18 bps | |
| Efficiency Ratio | 70.22% | 69.77% | 64.25% | 64.32% | 64.70% | 64.40% | 61.07% | 60.29% | -403 bps | |
| Non-Interest Burden | 2.30% | 2.29% | 2.34% | 2.39% | 2.40% | 2.38% | 2.34% | 2.31% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.19% | 4.95% | 2.76% | -0.12% | -1.48% | 0.48% | 8.98% | 7.90% | +802 bps | |
| Loan Growth (YoY) | 5.43% | 3.31% | 2.92% | 4.51% | 4.83% | 8.12% | 9.31% | 6.30% | +179 bps | |
| Deposit Growth (YoY) | 4.63% | 2.87% | 4.68% | 1.07% | -0.01% | 1.71% | 6.23% | 5.36% | +428 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.69% | 0.67% | 0.71% | 0.85% | 0.80% | 0.77% | 0.96% | 0.93% | +8 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.01% | 0.03% | 0.03% | 0.01% | 0.01% | 0.01% | -2 bps | |
| Allowance / Loans | 0.97% | 1.02% | 1.40% | 1.12% | 1.13% | 1.19% | 1.25% | 1.31% | +18 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.5x | 2.0x | 1.3x | 1.4x | 1.5x | 1.3x | 1.4x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.97% | 8.95% | 9.23% | 9.63% | 9.68% | 9.67% | 9.81% | 9.72% | +9 bps | |
| Total Risk-Based Capital | 11.08% | 11.52% | 11.70% | 11.58% | 11.69% | 11.90% | 11.92% | 12.06% | +48 bps | |
| Equity / Assets | 9.57% | 9.72% | 9.95% | 10.34% | 10.34% | 10.47% | 10.07% | 10.29% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.82% | 91.00% | 91.98% | 95.88% | 95.21% | 96.73% | 94.65% | 96.73% | +85 bps | |
| Liquid Assets / Assets | 5.50% | 7.11% | 6.30% | 4.94% | 6.60% | 5.79% | 9.71% | 8.08% | +314 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 438% | 446% | 435% | n/a | n/a | |