Mauston, WI · Cert 12327 · Mauston Bcorp Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
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 | 1.55% | 1.33% | 1.72% | 2.10% | 2.01% | 2.21% | 1.78% | 2.26% | +16 bps | |
| Return on Equity | 13.35% | 11.16% | 13.94% | 16.47% | 15.38% | 17.07% | 13.76% | 16.99% | +52 bps | |
| Net Interest Margin | 2.73% | 3.02% | 3.15% | 3.50% | 3.58% | 3.09% | 3.39% | 3.67% | +17 bps | |
| Efficiency Ratio | 45.74% | 56.18% | 45.15% | 37.81% | 43.46% | 40.86% | 47.09% | 35.49% | -232 bps | |
| Non-Interest Burden | 0.82% | 1.33% | 1.00% | 0.86% | 0.99% | 0.14% | 1.10% | 0.76% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.42% | -0.07% | -0.84% | -1.51% | 0.02% | 5.64% | 6.09% | 6.04% | +755 bps | |
| Loan Growth (YoY) | 1.89% | 3.37% | 4.29% | 2.38% | 3.02% | 6.12% | 3.04% | 1.78% | -60 bps | |
| Deposit Growth (YoY) | 3.72% | 3.91% | 3.47% | 1.55% | 3.20% | 5.32% | 5.64% | 5.78% | +423 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.19% | +19 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 2.00% | 1.98% | 1.96% | 1.92% | 1.94% | 1.87% | 1.90% | 1.88% | -4 bps | |
| Allowance Coverage of NPLs | 467.6x | 1558.3x | 333.9x | 311.8x | 311.9x | 155.6x | 160.9x | 9.8x | -302.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.93% | 13.44% | 13.71% | 14.13% | 14.67% | 14.91% | 14.32% | 14.75% | +62 bps | |
| Total Risk-Based Capital | 12.93% | 13.44% | 13.71% | 14.13% | 14.67% | 14.91% | 14.32% | 14.75% | +62 bps | |
| Equity / Assets | 11.85% | 12.02% | 12.65% | 12.88% | 13.26% | 12.70% | 13.22% | 13.40% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.46% | 66.97% | 69.52% | 70.02% | 69.33% | 67.48% | 67.81% | 67.37% | -265 bps | |
| Liquid Assets / Assets | 40.77% | 39.69% | 38.14% | 37.43% | 38.24% | 37.83% | 35.81% | 32.77% | -466 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 292% | 294% | 283% | n/a | n/a | |