Mineral Point, WI · Cert 13025 · Southern WI Bancshares Corp.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Madison, WI · 2026 SOD (annual) · 1.3% share · #22 of 41 inst. · $0.4B of $30.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.04% | 1.14% | 1.38% | 1.12% | 1.62% | +57 bps | |
| Return on Equity | 10.93% | 11.31% | 12.99% | 10.66% | 15.27% | +434 bps | |
| Net Interest Margin | 2.99% | 3.03% | 3.04% | 2.83% | 2.98% | -1 bps | |
| Efficiency Ratio | 59.31% | 58.01% | 51.06% | 56.70% | 49.30% | -1,002 bps | |
| Non-Interest Burden | 1.58% | 1.54% | 1.34% | 1.41% | 1.20% | -37 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.71% | 3.96% | 5.04% | 8.99% | 6.64% | -7 bps | |
| Loan Growth (YoY) | 5.92% | 4.07% | 4.72% | 6.16% | 7.16% | +123 bps | |
| Deposit Growth (YoY) | 6.50% | 2.40% | 2.82% | 8.75% | 5.16% | -133 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.59% | 0.48% | 0.02% | 0.05% | 0.05% | -54 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.07% | 0.02% | 0.00% | -1 bps | |
| Allowance / Loans | 1.18% | 1.16% | 1.11% | 1.10% | 1.03% | -15 bps | |
| Allowance Coverage of NPLs | 2.0x | 2.4x | 62.5x | 23.7x | 21.9x | +19.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.60% | 10.63% | 10.90% | 10.91% | 11.24% | +64 bps | |
| Total Risk-Based Capital | 17.93% | 17.90% | 18.74% | 19.26% | 21.07% | +314 bps | |
| Equity / Assets | 9.67% | 10.53% | 10.66% | 10.36% | 10.81% | +114 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 56.16% | 59.98% | 59.88% | 57.84% | 57.22% | +107 bps | |
| Liquid Assets / Assets | 12.62% | 7.64% | 9.71% | 15.03% | 20.63% | +801 bps | |
| CRE / Total Capital | n/a | 174.16% | 173.34% | 171.70% | n/a | n/a | |