Rosholt, WI · Cert 12512 · Rosholt Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in WI (n=110 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
20
Asset Quality
76
Profitability
36
Liquidity
54
Efficiency
8
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Rosholt, WI · Cert 12512 · Rosholt Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Wausau, WI · 2026 SOD (annual) · 0.2% share · #17 of 17 inst. · $0.0B of $5.4B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.37% | 0.22% | 0.38% | 0.44% | 0.55% | 0.53% | 0.55% | +17 bps | |
| Return on Equity | 5.74% | 5.04% | 3.04% | 5.26% | 6.01% | 7.44% | 6.36% | 6.43% | +118 bps | |
| Net Interest Margin | 3.52% | 3.42% | 3.51% | 3.62% | 3.64% | 3.68% | 3.74% | 3.98% | +36 bps | |
| Efficiency Ratio | 87.50% | 89.10% | 90.00% | 88.82% | 87.32% | 84.31% | 84.82% | 84.66% | -416 bps | |
| Non-Interest Burden | 3.01% | 2.99% | 3.11% | 3.16% | 3.11% | 3.02% | 3.10% | 3.29% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.30% | -2.71% | -3.62% | 0.03% | 3.66% | 5.45% | 2.63% | -3.02% | -305 bps | |
| Loan Growth (YoY) | 1.78% | 1.97% | -2.29% | 5.22% | 9.64% | 2.64% | 2.85% | -1.53% | -675 bps | |
| Deposit Growth (YoY) | -1.65% | -3.00% | -4.28% | -1.20% | 1.06% | 2.57% | -1.05% | -0.61% | +59 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.08% | 0.08% | 0.08% | 0.01% | 0.00% | 0.00% | 0.00% | -8 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.03% | 0.02% | 0.02% | -0.01% | 0.00% | -3 bps | |
| Allowance / Loans | 1.14% | 1.10% | 1.15% | 1.05% | 1.02% | 1.05% | 1.10% | 1.07% | +1 bps | |
| Allowance Coverage of NPLs | n/a | 14.2x | 14.3x | 13.3x | 112.7x | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.89% | 10.44% | 10.36% | 10.55% | 10.43% | 10.43% | 10.49% | 11.02% | +47 bps | |
| Total Risk-Based Capital | 10.89% | 10.44% | 10.36% | 10.55% | 10.43% | 10.43% | 10.49% | 11.02% | +47 bps | |
| Equity / Assets | 8.07% | 7.21% | 7.27% | 6.96% | 7.69% | 8.02% | 8.56% | 8.92% | +196 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.82% | 72.02% | 70.93% | 75.48% | 77.92% | 72.07% | 73.73% | 74.79% | -70 bps | |
| Liquid Assets / Assets | 0.85% | 1.39% | 2.09% | 0.86% | 0.79% | 5.05% | 5.15% | 0.92% | +6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 289% | 255% | 239% | n/a | n/a | |
Rosholt, WI · Cert 12512 · Peer group: banks under $1B in assets in WI (n=110-113) · Rosholt Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
0.57%
Rank 99 of 113
Net Interest Margin
3.98%
Rank 23 of 113
Efficiency Ratio
84.66%
Rank 105 of 113
Equity / Assets
8.92%
Rank 90 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.57% | 0.85% | 1.17% | 1.51% | Beats 12% | 99 / 113 | ||
| Return on Equity | 6.38% | 7.70% | 10.77% | 13.67% | Beats 16% | 95 / 113 | ||
| Net Interest Margin | 3.98% | 3.19% | 3.59% | 3.89% | Beats 80% | 23 / 113 | ||
| Efficiency Ratio | 84.66% | 54.61% | 62.43% | 71.88% | Beats 8% | 105 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.03% | 0.24% | 0.91% | Beats 100% | 16 / 110 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 51% | 56 / 110 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.02% | 11.22% | 12.95% | 15.76% | Beats 21% | 89 / 113 | ||
| Total Risk-Based Capital Ratio | 11.02% | 11.57% | 13.59% | 16.73% | Beats 19% | 91 / 113 | ||
| Equity / Assets | 8.92% | 9.17% | 10.74% | 13.13% | Beats 20% | 90 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.79% | 76.54% | 86.37% | 98.93% | 22nd pctl | 87 / 112 | ||
| Loans / Assets | 64.86% | 63.07% | 71.33% | 78.84% | 27th pctl | 82 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||