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 | |