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Bank of Cashton

Cashton, WI · Cert 12325 · Eagle Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$146.1MAssets
$99.6MLoans
$127.0MDeposits
$15.2MEquity
Loan mix
63%RE $58.5M34%C&I $31.5M3%Consumer $2.5MQ3 2024Q2 2026
Deposit mix
79%Interest-bearing $100.5M21%Noninterest $26.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.98%, up 14 bps year over year; NIM at 3.24%.
  • Asset quality: problem loans at 0.00% of loans (-2 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.90%, down 28 bps from a year ago.
  • Funding: loans stand at 78.40% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.98%+14 bps YoY

Net Interest Margin (YTD, annualized)

3.24%+35 bps YoY

Efficiency Ratio (YTD, annualized)

64.20%-152 bps YoY

Tier 1 Leverage Ratio

10.90%-28 bps YoY

NIM

4.62%Q2 ’244.92%Q2 ’255.00%Q2 ’26+6%+12%

Non-interest income vs. expense

2.15%Q2 ’242.17%Q2 ’252.31%Q2 ’260%+11%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.76%0.91%0.84%0.80%0.83%0.86%0.98%+14 bps
Return on Equity7.60%7.62%9.17%8.26%7.82%8.09%8.39%9.53%+127 bps
Net Interest Margin2.71%2.64%2.77%2.89%2.96%2.98%3.21%3.24%+35 bps
Efficiency Ratio68.42%68.34%63.02%65.72%66.96%66.48%68.22%64.20%-152 bps
Non-Interest Burden1.74%1.69%1.60%1.76%1.85%1.85%2.07%1.95%+19 bps
Growth
Asset Growth (YoY)5.44%7.25%4.58%3.01%3.50%3.20%4.46%7.49%+448 bps
Loan Growth (YoY)6.44%9.88%8.91%11.30%12.16%8.75%6.60%4.76%-654 bps
Deposit Growth (YoY)6.82%10.03%7.90%7.15%7.08%6.75%6.75%9.37%+222 bps
Asset Quality
Nonperforming Loans / Loans0.15%0.00%0.00%0.02%0.01%0.00%0.00%0.00%-2 bps
Net Charge-Offs / Loans-0.01%0.00%-0.06%-0.03%-0.02%-0.02%0.00%0.00%+3 bps
Allowance / Loans1.03%0.99%1.00%1.01%1.04%1.05%1.07%1.09%+7 bps
Allowance Coverage of NPLs6.7xn/an/a50.7x92.0xn/an/an/an/a
Capital
Tier 1 Leverage Ratio11.07%10.80%10.86%11.18%11.20%11.06%10.81%10.90%-28 bps
Total Risk-Based Capital15.96%15.43%15.75%15.48%15.36%15.03%15.48%15.45%-3 bps
Equity / Assets10.32%9.77%10.09%10.56%10.59%10.28%10.23%10.40%-17 bps
Liquidity & Funding
Loans / Deposits77.58%77.91%78.89%81.85%81.26%79.36%78.78%78.40%-345 bps
Liquid Assets / Assets13.17%11.88%10.25%7.71%8.84%8.77%9.98%7.64%-7 bps
CRE / Total Capitaln/an/an/an/a68.53%71.24%69.03%n/an/a