Cashton, WI · Cert 12325 · Eagle Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.76% | 0.74% | 0.91% | 0.86% | 1.11% | +34 bps | |
| Return on Equity | 7.39% | 6.98% | 8.74% | 8.39% | 10.72% | +333 bps | |
| Net Interest Margin | 2.96% | 3.11% | 3.21% | 3.21% | 3.29% | +33 bps | |
| Efficiency Ratio | 68.30% | 69.31% | 65.14% | 68.22% | 60.24% | -806 bps | |
| Non-Interest Burden | 1.89% | 2.04% | 1.96% | 2.07% | 1.85% | -5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.01% | 3.50% | 3.20% | 4.46% | 7.49% | +448 bps | |
| Loan Growth (YoY) | 11.30% | 12.16% | 8.75% | 6.60% | 4.76% | -654 bps | |
| Deposit Growth (YoY) | 7.15% | 7.08% | 6.75% | 6.75% | 9.37% | +222 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.02% | 0.01% | 0.00% | 0.00% | 0.00% | -2 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.01% | 1.04% | 1.05% | 1.07% | 1.09% | +7 bps | |
| Allowance Coverage of NPLs | 50.7x | 92.0x | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.18% | 11.20% | 11.06% | 10.81% | 10.90% | -28 bps | |
| Total Risk-Based Capital | 15.48% | 15.36% | 15.03% | 15.48% | 15.45% | -3 bps | |
| Equity / Assets | 10.56% | 10.59% | 10.28% | 10.23% | 10.40% | -17 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.85% | 81.26% | 79.36% | 78.78% | 78.40% | -345 bps | |
| Liquid Assets / Assets | 7.71% | 8.84% | 8.77% | 9.98% | 7.64% | -7 bps | |
| CRE / Total Capital | n/a | 68.53% | 71.24% | 69.03% | n/a | n/a | |