Baraboo State Bank
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
$569.6MAssets
$302.3MLoans
$490.4MDeposits
$65.9MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 83% of banks under $1B in assets in WI (rank 19 of 113).
- Widest gap: net interest margin trails 63% of banks under $1B in assets in WI (rank 71 of 113).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $10.4M · efficiency ratio beats 57% of banks under $1B in assets in WI | 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 |