Baraboo, WI · Cert 12788 · Baraboo Bcorp Inc. the
State charter, Fed member · FED · 7 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
76
Asset Quality
61
Profitability
46
Liquidity
2
Efficiency
57
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.
Baraboo, WI · Cert 12788 · Baraboo Bcorp Inc. the
State charter, Fed member · FED · 7 branches
Q2 2026
Market Position · Madison, WI · 2026 SOD (annual) · 0.2% share · #35 of 41 inst. · $0.1B of $30.1B
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 | 1.04% | 0.95% | 1.03% | 1.14% | 1.08% | 0.97% | 1.23% | 1.19% | +5 bps | |
| Return on Equity | 9.25% | 8.55% | 9.44% | 10.35% | 9.81% | 8.81% | 11.14% | 10.63% | +27 bps | |
| Net Interest Margin | 3.10% | 2.96% | 3.04% | 3.18% | 3.19% | 3.06% | 3.26% | 3.38% | +20 bps | |
| Efficiency Ratio | 66.76% | 69.24% | 63.90% | 61.40% | 63.90% | 65.51% | 58.74% | 60.67% | -73 bps | |
| Non-Interest Burden | 1.88% | 1.89% | 1.75% | 1.73% | 1.83% | 1.82% | 1.70% | 1.83% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.90% | 9.52% | 11.36% | 9.34% | 7.82% | 6.90% | 6.15% | 5.69% | -365 bps | |
| Loan Growth (YoY) | -2.98% | -1.35% | -2.03% | 4.87% | 7.53% | 12.70% | 13.13% | 10.99% | +612 bps | |
| Deposit Growth (YoY) | -0.39% | 7.72% | 10.97% | 8.78% | 9.65% | 8.07% | 6.14% | 5.57% | -321 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0.01% | -1 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.01% | -0.02% | -0.06% | -0.05% | 0.01% | 0.00% | +2 bps | |
| Allowance / Loans | 2.00% | 1.98% | 1.98% | 1.98% | 1.90% | 1.79% | 1.83% | 1.82% | -16 bps | |
| Allowance Coverage of NPLs | 78.7x | 81.6x | 81.1x | 84.3x | 84.4x | 90.3x | 90.3x | 196.5x | +112.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.66% | 11.12% | 11.02% | 11.38% | 11.29% | 10.86% | 11.15% | 11.70% | +33 bps | |
| Total Risk-Based Capital | 20.03% | 19.92% | 20.42% | 20.20% | 20.27% | 19.67% | 20.17% | 20.91% | +71 bps | |
| Equity / Assets | 11.27% | 10.70% | 11.11% | 11.37% | 10.94% | 10.85% | 11.25% | 11.56% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.60% | 56.80% | 56.87% | 58.64% | 57.47% | 59.24% | 60.61% | 61.65% | +301 bps | |
| Liquid Assets / Assets | 34.61% | 34.79% | 32.58% | 30.50% | 31.98% | 31.12% | 27.90% | 27.00% | -351 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 335% | 350% | 346% | n/a | n/a | |
Baraboo, WI · Cert 12788 · Peer group: banks under $1B in assets in WI (n=110-113) · Baraboo Bcorp Inc. the
State charter, Fed member · FED · 7 branches
Q2 2026
Return on Assets
1.21%
Rank 51 of 113
Net Interest Margin
3.38%
Rank 71 of 113
Efficiency Ratio
60.67%
Rank 50 of 113
Equity / Assets
11.56%
Rank 44 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.21% | 0.85% | 1.17% | 1.51% | Beats 55% | 51 / 113 | ||
| Return on Equity | 10.45% | 7.70% | 10.77% | 13.67% | Beats 45% | 62 / 113 | ||
| Net Interest Margin | 3.38% | 3.19% | 3.59% | 3.89% | Beats 37% | 71 / 113 | ||
| Efficiency Ratio | 60.67% | 54.61% | 62.43% | 71.88% | Beats 57% | 50 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.01% | 0.03% | 0.24% | 0.91% | Beats 80% | 23 / 110 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 42% | 67 / 110 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.66% | 11.22% | 12.95% | 15.76% | Beats 83% | 19 / 113 | ||
| Total Risk-Based Capital Ratio | 20.91% | 11.57% | 13.59% | 16.73% | Beats 83% | 19 / 113 | ||
| Equity / Assets | 11.56% | 9.17% | 10.74% | 13.13% | Beats 61% | 44 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 61.65% | 76.54% | 86.37% | 98.93% | 12th pctl | 99 / 112 | ||
| Loans / Assets | 53.08% | 63.07% | 71.33% | 78.84% | 12th pctl | 100 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||