Spencer, WI · Cert 12513 · Stratford Bancshares 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
70
Asset Quality
45
Profitability
43
Liquidity
73
Efficiency
66
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.
Spencer, WI · Cert 12513 · Stratford Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Wausau, WI · 2026 SOD (annual) · 3.1% share · #9 of 17 inst. · $0.2B 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 | 0.93% | 0.96% | 1.18% | 1.18% | 1.15% | 1.18% | 1.30% | 1.28% | +10 bps | |
| Return on Equity | 7.95% | 8.11% | 9.34% | 9.16% | 8.95% | 9.09% | 9.63% | 9.43% | +28 bps | |
| Net Interest Margin | 2.43% | 2.68% | 3.04% | 3.06% | 2.94% | 3.12% | 3.32% | 3.41% | +34 bps | |
| Efficiency Ratio | 63.28% | 62.27% | 62.79% | 60.93% | 59.79% | 58.41% | 58.77% | 57.60% | -333 bps | |
| Non-Interest Burden | 1.50% | 1.61% | 1.84% | 1.78% | 1.68% | 1.73% | 1.87% | 1.88% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.79% | 1.40% | -4.63% | -1.39% | 1.94% | 4.89% | 6.59% | 6.07% | +746 bps | |
| Loan Growth (YoY) | 2.11% | 1.52% | 2.14% | 5.36% | 7.35% | 5.18% | 3.97% | -3.45% | -881 bps | |
| Deposit Growth (YoY) | 13.70% | 4.28% | -5.60% | -3.31% | 0.70% | 4.62% | 6.03% | 7.94% | +1,125 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.43% | 0.55% | 0.38% | 0.32% | 0.37% | 0.36% | 0.53% | 0.36% | +4 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | -0.06% | -0.03% | -0.04% | -0.03% | -0.06% | -0.03% | 0 bps | |
| Allowance / Loans | 1.33% | 1.32% | 1.37% | 1.30% | 1.34% | 1.42% | 1.49% | 1.56% | +25 bps | |
| Allowance Coverage of NPLs | 3.1x | 2.4x | 3.6x | 4.1x | 3.6x | 3.9x | 2.8x | 4.3x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.77% | 13.61% | 14.26% | 14.43% | 13.67% | 14.03% | 14.26% | 14.70% | +27 bps | |
| Total Risk-Based Capital | 12.77% | 13.61% | 14.26% | 14.43% | 13.67% | 14.03% | 14.26% | 14.70% | +27 bps | |
| Equity / Assets | 12.02% | 12.26% | 13.10% | 13.18% | 12.77% | 13.33% | 13.64% | 13.70% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.56% | 83.50% | 85.29% | 88.90% | 82.69% | 83.95% | 83.63% | 79.52% | -938 bps | |
| Liquid Assets / Assets | 0.17% | 0.13% | 0.19% | 0.19% | 0.55% | 0.16% | 0.06% | 0.17% | -2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 149.27% | 146.32% | 140.25% | n/a | n/a | |
Spencer, WI · Cert 12513 · Peer group: banks under $1B in assets in WI (n=110-113) · Stratford Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
1.26%
Rank 46 of 113
Net Interest Margin
3.41%
Rank 70 of 113
Efficiency Ratio
57.60%
Rank 39 of 113
Equity / Assets
13.70%
Rank 23 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.26% | 0.85% | 1.17% | 1.51% | Beats 59% | 46 / 113 | ||
| Return on Equity | 9.21% | 7.70% | 10.77% | 13.67% | Beats 32% | 77 / 113 | ||
| Net Interest Margin | 3.41% | 3.19% | 3.59% | 3.89% | Beats 38% | 70 / 113 | ||
| Efficiency Ratio | 57.60% | 54.61% | 62.43% | 71.88% | Beats 66% | 39 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.36% | 0.03% | 0.24% | 0.91% | Beats 40% | 67 / 110 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 49% | 58 / 110 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.70% | 11.22% | 12.95% | 15.76% | Beats 66% | 38 / 113 | ||
| Total Risk-Based Capital Ratio | 14.70% | 11.57% | 13.59% | 16.73% | Beats 63% | 42 / 113 | ||
| Equity / Assets | 13.70% | 9.17% | 10.74% | 13.13% | Beats 80% | 23 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.52% | 76.54% | 86.37% | 98.93% | 36th pctl | 72 / 112 | ||
| Loans / Assets | 60.61% | 63.07% | 71.33% | 78.84% | 22nd pctl | 88 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||