Mayville, MI · Cert 12899 · Mayville Financial Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
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 | 0.46% | 0.51% | 0.71% | 0.84% | 0.87% | 0.73% | 0.87% | 1.08% | +23 bps | |
| Return on Equity | 5.53% | 6.20% | 8.76% | 9.63% | 9.37% | 7.57% | 9.07% | 11.05% | +143 bps | |
| Net Interest Margin | 2.94% | 3.06% | 3.16% | 3.32% | 3.45% | 3.35% | 3.37% | 3.41% | +9 bps | |
| Efficiency Ratio | 83.63% | 79.32% | 76.28% | 73.95% | 71.74% | 74.72% | 72.41% | 69.81% | -414 bps | |
| Non-Interest Burden | 2.36% | 2.29% | 2.26% | 2.27% | 2.27% | 2.34% | 2.27% | 2.18% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.31% | 4.43% | 3.14% | -0.20% | -2.61% | -1.44% | 2.98% | 1.13% | +133 bps | |
| Loan Growth (YoY) | 3.93% | 2.92% | 2.96% | 4.50% | 1.77% | 2.11% | 0.07% | -2.95% | -745 bps | |
| Deposit Growth (YoY) | -3.40% | 4.41% | 2.27% | -1.34% | -3.84% | -3.40% | 1.72% | 0.01% | +135 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.49% | 0.59% | 1.23% | 1.25% | 1.34% | 1.59% | 1.48% | 2.09% | +84 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.21% | -0.04% | 0.10% | 0.49% | -0.03% | 0.25% | -0.02% | -11 bps | |
| Allowance / Loans | 1.13% | 1.20% | 1.23% | 1.21% | 1.17% | 1.31% | 1.30% | 1.34% | +14 bps | |
| Allowance Coverage of NPLs | 2.3x | 2.0x | 1.0x | 1.0x | 0.9x | 0.8x | 0.9x | 0.6x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.47% | 10.96% | 11.15% | 11.70% | 11.95% | 11.39% | 11.41% | 11.72% | +2 bps | |
| Total Risk-Based Capital | 11.47% | 10.96% | 11.15% | 11.70% | 11.95% | 11.39% | 11.41% | 11.72% | +2 bps | |
| Equity / Assets | 8.73% | 7.70% | 8.62% | 8.88% | 9.76% | 9.51% | 9.57% | 9.88% | +100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 51.32% | 49.21% | 51.48% | 53.59% | 54.32% | 52.01% | 50.64% | 52.00% | -159 bps | |
| Liquid Assets / Assets | 4.54% | 5.07% | 2.62% | 5.08% | 4.17% | 4.73% | 4.71% | 4.87% | -21 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 43.20% | 42.95% | 46.25% | n/a | n/a | |