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 (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 | 0.42% | 0.54% | 0.88% | 0.53% | 0.57% | +15 bps | |
| Return on Equity | 5.90% | 7.30% | 11.24% | 6.36% | 6.50% | +60 bps | |
| Net Interest Margin | 3.69% | 3.81% | 4.00% | 3.74% | 4.06% | +37 bps | |
| Efficiency Ratio | 87.66% | 84.55% | 76.23% | 84.82% | 84.50% | -316 bps | |
| Non-Interest Burden | 3.17% | 3.14% | 2.92% | 3.10% | 3.35% | +18 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.03% | 3.66% | 5.45% | 2.63% | -3.02% | -305 bps | |
| Loan Growth (YoY) | 5.22% | 9.64% | 2.64% | 2.85% | -1.53% | -675 bps | |
| Deposit Growth (YoY) | -1.20% | 1.06% | 2.57% | -1.05% | -0.61% | +59 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.08% | 0.01% | 0.00% | 0.00% | 0.00% | -8 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.00% | 0.01% | -0.01% | 0.01% | -5 bps | |
| Allowance / Loans | 1.05% | 1.02% | 1.05% | 1.10% | 1.07% | +1 bps | |
| Allowance Coverage of NPLs | 13.3x | 112.7x | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.55% | 10.43% | 10.43% | 10.49% | 11.02% | +47 bps | |
| Total Risk-Based Capital | 10.55% | 10.43% | 10.43% | 10.49% | 11.02% | +47 bps | |
| Equity / Assets | 6.96% | 7.69% | 8.02% | 8.56% | 8.92% | +196 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.48% | 77.92% | 72.07% | 73.73% | 74.79% | -70 bps | |
| Liquid Assets / Assets | 0.86% | 0.79% | 5.05% | 5.15% | 0.92% | +6 bps | |
| CRE / Total Capital | n/a | 289% | 255% | 239% | n/a | n/a | |