Oconomowoc, WI · Cert 12517 · Oconomowoc Bancshares Inc.
State charter, non-member · FDIC · 15 branches
Q2 2026
Market Position · Milwaukee-Waukesha, WI · 2026 SOD (annual) · 2.6% share · #6 of 43 inst. · $2.1B of $79.9B
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 | 0.75% | 0.83% | 1.22% | 1.17% | 1.06% | 0.96% | 1.48% | 1.32% | +15 bps | |
| Return on Equity | 9.17% | 10.30% | 15.73% | 15.09% | 13.29% | 11.80% | 16.71% | 14.51% | -57 bps | |
| Net Interest Margin | 2.78% | 2.74% | 2.83% | 2.83% | 2.82% | 2.87% | 3.17% | 3.35% | +52 bps | |
| Efficiency Ratio | 77.66% | 75.74% | 60.42% | 63.25% | 66.08% | 67.14% | 54.41% | 58.63% | -461 bps | |
| Non-Interest Burden | 1.96% | 1.87% | 1.35% | 1.43% | 1.56% | 1.65% | 1.34% | 1.59% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.96% | 16.60% | 20.63% | 20.37% | 20.55% | 16.26% | 7.65% | 1.05% | -1,932 bps | |
| Loan Growth (YoY) | 18.34% | 17.18% | 14.48% | 9.88% | 9.82% | 8.01% | 7.29% | 7.75% | -213 bps | |
| Deposit Growth (YoY) | 23.31% | 21.10% | 21.67% | 24.18% | 24.21% | 18.39% | 7.19% | -0.03% | -2,421 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.63% | 0.79% | 0.63% | 0.59% | 0.72% | 0.89% | 1.63% | 1.91% | +133 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.02% | -0.01% | 0.00% | 0.08% | 0.00% | 0.03% | +4 bps | |
| Allowance / Loans | 0.50% | 0.48% | 0.49% | 0.50% | 0.51% | 0.54% | 0.58% | 0.65% | +15 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.6x | 0.8x | 0.9x | 0.7x | 0.6x | 0.4x | 0.3x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.89% | 8.66% | 8.48% | 8.33% | 9.14% | 9.09% | 9.41% | 9.77% | +144 bps | |
| Total Risk-Based Capital | 10.94% | 10.93% | 11.09% | 11.40% | 12.55% | 12.48% | 12.60% | 12.78% | +137 bps | |
| Equity / Assets | 8.12% | 7.76% | 7.76% | 7.80% | 8.60% | 8.65% | 9.08% | 9.59% | +179 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.04% | 99.09% | 93.94% | 90.85% | 89.33% | 90.40% | 94.03% | 97.92% | +707 bps | |
| Liquid Assets / Assets | 1.11% | 2.31% | 6.01% | 8.51% | 9.56% | 5.19% | 2.46% | 0.48% | -803 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 634% | 649% | 635% | n/a | n/a | |