Ixonia, WI · Cert 12514 · Ixonia Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Milwaukee-Waukesha, WI · 2026 SOD (annual) · 0.2% share · #32 of 43 inst. · $0.1B of $79.9B
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 | 1.57% | 1.28% | 1.14% | 1.98% | 1.91% | 1.05% | 0.80% | 1.61% | -37 bps | |
| Return on Equity | 17.58% | 14.19% | 12.27% | 21.01% | 20.69% | 11.37% | 8.57% | 17.61% | -339 bps | |
| Net Interest Margin | 7.76% | 8.13% | 7.04% | 8.16% | 7.68% | 7.15% | 6.88% | 7.91% | -25 bps | |
| Efficiency Ratio | 86.64% | 88.54% | 88.38% | 84.78% | 85.19% | 90.26% | 86.94% | 86.48% | +170 bps | |
| Non-Interest Burden | 5.44% | 6.13% | 5.27% | 5.32% | 5.01% | 5.59% | 4.80% | 5.52% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.71% | 14.61% | 7.17% | 14.53% | 13.84% | 17.35% | 19.39% | 22.24% | +770 bps | |
| Loan Growth (YoY) | 16.32% | 20.10% | 20.65% | 25.28% | 23.62% | 23.11% | 25.79% | 19.41% | -587 bps | |
| Deposit Growth (YoY) | 9.54% | 6.81% | -0.27% | 5.85% | 8.82% | 11.21% | 12.80% | 18.40% | +1,255 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.17% | 0.21% | 0.20% | 0.08% | 0.00% | 0.55% | 0.44% | 0.25% | +17 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.35% | -0.01% | 0.08% | 0.01% | 0.07% | 0.00% | 0.08% | 0 bps | |
| Allowance / Loans | 1.15% | 1.09% | 1.17% | 1.09% | 1.13% | 1.11% | 1.09% | 1.05% | -4 bps | |
| Allowance Coverage of NPLs | 6.7x | 5.3x | 5.7x | 14.2x | n/a | 2.0x | 2.5x | 4.2x | -9.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.89% | 9.89% | 10.25% | 10.33% | 9.79% | 9.73% | 9.82% | 9.95% | -38 bps | |
| Total Risk-Based Capital | 14.27% | 14.11% | 14.05% | 13.75% | 13.55% | 13.52% | 13.27% | 13.32% | -43 bps | |
| Equity / Assets | 9.00% | 9.08% | 9.56% | 9.27% | 9.22% | 9.17% | 9.46% | 8.84% | -43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.20% | 110.09% | 114.49% | 119.70% | 118.37% | 121.87% | 127.68% | 120.71% | +102 bps | |
| Liquid Assets / Assets | 6.79% | 6.04% | 3.79% | 3.88% | 6.79% | 6.92% | 5.93% | 11.61% | +773 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 280% | 289% | 288% | n/a | n/a | |