Madison, WI · Cert 11623 · CMG Bcorp
State charter, Fed member · FED · 10 branches
Q2 2026
Market Position · Madison, WI · 2026 SOD (annual) · 1.0% share · #24 of 41 inst. · $0.3B of $30.1B
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 | 0.78% | -0.03% | 0.15% | 0.09% | -1.17% | 0.64% | 0.96% | 1.00% | +91 bps | |
| Return on Equity | 7.42% | -0.25% | 1.51% | 0.98% | -11.41% | 6.16% | 9.42% | 10.47% | +949 bps | |
| Net Interest Margin | 3.66% | 3.63% | 3.46% | 3.61% | 3.68% | 3.75% | 4.16% | 4.17% | +55 bps | |
| Efficiency Ratio | 89.75% | 97.32% | 92.68% | 85.62% | 141.62% | 75.55% | 68.59% | 71.81% | -1,381 bps | |
| Non-Interest Burden | 3.23% | 3.50% | 3.15% | 3.01% | 5.37% | 2.75% | 2.58% | 2.60% | -42 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.09% | 8.35% | 11.71% | 27.21% | 29.04% | 39.57% | 34.89% | 42.48% | +1,527 bps | |
| Loan Growth (YoY) | -9.16% | 2.95% | 10.28% | 27.92% | 42.08% | 21.39% | 36.08% | 39.97% | +1,205 bps | |
| Deposit Growth (YoY) | 13.48% | 10.80% | 13.45% | 29.04% | 28.18% | 39.21% | 36.63% | 44.65% | +1,560 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.26% | 0.23% | 0.49% | 0.43% | 0.39% | 0.16% | 0.10% | 0.24% | -19 bps | |
| Net Charge-Offs / Loans | 0.55% | 1.07% | 0.64% | 0.11% | 0.29% | 0.15% | -0.08% | -0.04% | -16 bps | |
| Allowance / Loans | 1.58% | 1.27% | 1.12% | 1.10% | 0.90% | 0.95% | 0.95% | 0.95% | -16 bps | |
| Allowance Coverage of NPLs | 6.0x | 5.6x | 2.3x | 2.5x | 2.3x | 6.0x | 9.5x | 3.9x | +1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.06% | 9.25% | 9.32% | 9.24% | 10.95% | 9.64% | 9.93% | 9.61% | +37 bps | |
| Total Risk-Based Capital | 13.55% | 12.17% | 12.26% | 11.95% | 13.67% | 13.82% | 13.50% | 12.92% | +97 bps | |
| Equity / Assets | 10.17% | 10.11% | 9.84% | 9.60% | 10.77% | 10.09% | 10.27% | 8.97% | -63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.90% | 89.15% | 89.10% | 87.10% | 87.46% | 77.74% | 88.74% | 84.28% | -282 bps | |
| Liquid Assets / Assets | 19.22% | 10.71% | 11.98% | 12.98% | 14.09% | 5.72% | 5.10% | 12.23% | -75 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 482% | 450% | 460% | n/a | n/a | |