Little Chute, WI · Cert 11608 · Independent Bcorp Ltd.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Appleton, WI · 2026 SOD (annual) · 7.4% share · #6 of 23 inst. · $0.4B of $5.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 0.80% | 0.91% | 0.93% | 1.05% | 0.99% | 1.30% | 1.37% | +44 bps | |
| Return on Equity | 8.77% | 9.33% | 10.61% | 10.58% | 11.98% | 11.30% | 14.59% | 15.07% | +448 bps | |
| Net Interest Margin | 2.25% | 2.44% | 2.59% | 2.63% | 3.00% | 2.76% | 3.03% | 3.26% | +63 bps | |
| Efficiency Ratio | 60.28% | 60.48% | 56.60% | 56.40% | 53.35% | 48.50% | 47.35% | 46.06% | -1,034 bps | |
| Non-Interest Burden | 1.28% | 1.40% | 1.37% | 1.41% | 1.51% | 1.20% | 1.32% | 1.40% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.20% | 3.90% | 5.95% | 5.53% | 8.77% | 13.08% | 11.70% | 9.56% | +403 bps | |
| Loan Growth (YoY) | 9.67% | 10.32% | 6.19% | 5.27% | 8.47% | 12.89% | 14.43% | 9.94% | +466 bps | |
| Deposit Growth (YoY) | 6.12% | 5.21% | 5.59% | 5.57% | 7.20% | 8.66% | 8.43% | 7.28% | +171 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 0.11% | 0.35% | 0.40% | 0.39% | 0.35% | 0.36% | 0.02% | -38 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.02% | 1.01% | 0.99% | 0.96% | 0.97% | 0.97% | 0.98% | 1.00% | +4 bps | |
| Allowance Coverage of NPLs | 25.8x | 9.6x | 2.8x | 2.4x | 2.5x | 2.8x | 2.7x | 46.0x | +43.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.04% | 10.07% | 10.38% | 10.20% | 10.17% | 9.69% | 9.96% | 10.22% | +3 bps | |
| Total Risk-Based Capital | 13.71% | 13.76% | 13.78% | 13.58% | 13.69% | 12.55% | 12.82% | 13.35% | -23 bps | |
| Equity / Assets | 8.62% | 8.48% | 8.75% | 8.89% | 8.70% | 8.84% | 8.96% | 9.28% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.55% | 95.62% | 96.01% | 100.56% | 95.67% | 99.35% | 101.32% | 103.05% | +249 bps | |
| Liquid Assets / Assets | 3.27% | 1.89% | 2.77% | 2.98% | 6.67% | 2.93% | 1.84% | 2.09% | -88 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 463% | 473% | 451% | n/a | n/a | |