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 | |