Laona, WI · Cert 11601 · Northern WI Bk Holding Co. Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Green Bay, WI · 2026 SOD (annual) · 0.4% share · #17 of 20 inst. · $0.1B of $14.9B
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 | 0.16% | 0.11% | 0.20% | 0.32% | 0.43% | 0.50% | -0.45% | 0.33% | +1 bps | |
| Return on Equity | 2.37% | 1.68% | 2.88% | 4.60% | 6.08% | 6.94% | -6.00% | 4.44% | -17 bps | |
| Net Interest Margin | 1.84% | 1.94% | 2.06% | 2.28% | 2.36% | 2.52% | 3.00% | 2.86% | +58 bps | |
| Efficiency Ratio | 90.18% | 92.34% | 89.07% | 84.57% | 76.47% | 74.10% | 109.33% | 84.46% | -11 bps | |
| Non-Interest Burden | 1.65% | 1.78% | 1.82% | 1.91% | 1.77% | 1.83% | 3.29% | 2.40% | +49 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.50% | 1.77% | 1.56% | 6.29% | 5.81% | 9.65% | 8.48% | 5.46% | -82 bps | |
| Loan Growth (YoY) | 11.21% | 4.58% | 4.54% | 5.37% | 2.56% | 6.49% | 5.99% | 5.32% | -5 bps | |
| Deposit Growth (YoY) | 4.53% | 1.71% | 0.91% | 5.59% | 5.69% | 8.14% | 7.51% | 4.48% | -111 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.65% | 2.53% | 2.30% | 2.11% | 1.26% | 1.23% | 1.43% | 1.34% | -77 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.05% | 0.03% | 0.02% | -0.01% | 0.00% | 0.07% | 0.04% | +2 bps | |
| Allowance / Loans | 1.29% | 1.28% | 1.27% | 1.24% | 1.26% | 1.21% | 1.19% | 1.17% | -7 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.5x | 0.6x | 0.6x | 1.0x | 1.0x | 0.8x | 0.9x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.83% | 9.94% | 9.87% | 10.03% | 9.76% | 9.73% | 9.94% | 9.63% | -40 bps | |
| Total Risk-Based Capital | 9.83% | 9.94% | 9.87% | 10.03% | 9.76% | 9.73% | 9.94% | 9.63% | -40 bps | |
| Equity / Assets | 7.19% | 6.64% | 7.22% | 7.19% | 7.31% | 7.38% | 7.48% | 7.51% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.48% | 58.97% | 60.35% | 58.82% | 55.78% | 58.08% | 59.50% | 59.29% | +47 bps | |
| Liquid Assets / Assets | 4.54% | 3.90% | 3.42% | 7.55% | 9.11% | 5.25% | 5.29% | 4.33% | -322 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 94.66% | 98.48% | 103.38% | n/a | n/a | |