Boscobel, WI · Cert 11595 · Boscobel Bcorp Inc.
State charter, Fed member · FED · 10 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 0.75% | 0.84% | 0.91% | 0.94% | 0.97% | 1.18% | 1.19% | +28 bps | |
| Return on Equity | 8.37% | 9.08% | 10.08% | 10.70% | 10.77% | 10.89% | 12.10% | 12.12% | +142 bps | |
| Net Interest Margin | 3.00% | 3.04% | 3.23% | 3.26% | 3.35% | 3.41% | 3.60% | 3.68% | +42 bps | |
| Efficiency Ratio | 74.04% | 72.67% | 68.90% | 67.41% | 67.00% | 66.09% | 62.24% | 62.78% | -463 bps | |
| Non-Interest Burden | 2.09% | 2.06% | 2.06% | 2.03% | 2.07% | 2.07% | 2.05% | 2.10% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.60% | 2.49% | 5.85% | 7.52% | 4.44% | 5.88% | 1.62% | -0.12% | -764 bps | |
| Loan Growth (YoY) | 5.53% | 4.81% | 2.49% | -0.83% | -2.17% | 0.36% | 2.31% | 2.85% | +368 bps | |
| Deposit Growth (YoY) | -1.43% | 4.97% | 7.32% | 8.40% | 7.64% | 2.29% | -2.01% | -4.06% | -1,246 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.18% | 0.11% | 0.13% | 0.12% | 0.07% | 0.11% | 0.12% | 0.32% | +21 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.02% | -0.01% | 0.03% | 0.01% | 0.00% | -0.01% | 0.00% | -3 bps | |
| Allowance / Loans | 1.07% | 1.06% | 1.10% | 1.14% | 1.18% | 1.17% | 1.17% | 1.19% | +5 bps | |
| Allowance Coverage of NPLs | 5.8x | 9.4x | 8.4x | 9.8x | 16.3x | 10.2x | 9.8x | 3.7x | -6.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.86% | 9.92% | 9.91% | 9.79% | 10.15% | 10.41% | 10.47% | 10.95% | +116 bps | |
| Total Risk-Based Capital | 14.32% | 14.42% | 14.27% | 14.68% | 15.36% | 15.25% | 15.46% | 10.95% | -373 bps | |
| Equity / Assets | 8.85% | 8.30% | 8.42% | 8.76% | 9.39% | 9.71% | 9.75% | 10.08% | +132 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.08% | 77.07% | 73.59% | 71.40% | 71.87% | 75.62% | 76.84% | 76.54% | +514 bps | |
| Liquid Assets / Assets | 0.86% | 0.71% | 4.66% | 5.70% | 5.63% | 3.91% | 3.86% | 3.63% | -206 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 222% | 221% | 225% | n/a | n/a | |