Hager City, WI · Cert 13058 · Lake Shore III Corp.
National charter · OCC · 1 affiliate bank · 8 branches (10 in holding)
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.2% share · #36 of 125 inst. · $0.5B of $253.2B
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 | 0.95% | 0.73% | 0.80% | 0.85% | 0.72% | 1.06% | 0.94% | 0.83% | -2 bps | |
| Return on Equity | 10.13% | 7.73% | 8.33% | 8.61% | 7.12% | 9.98% | 8.63% | 7.55% | -105 bps | |
| Net Interest Margin | 3.03% | 3.24% | 3.01% | 3.09% | 3.04% | 3.50% | 2.96% | 2.91% | -18 bps | |
| Efficiency Ratio | 59.26% | 52.14% | 56.22% | 53.70% | 60.50% | 55.91% | 61.82% | 59.18% | +548 bps | |
| Non-Interest Burden | 1.65% | 1.51% | 1.61% | 1.56% | 1.76% | 1.82% | 1.75% | 1.62% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.50% | 6.57% | 3.58% | 4.31% | 1.05% | -2.49% | -0.52% | -0.38% | -469 bps | |
| Loan Growth (YoY) | 8.56% | 7.74% | 9.26% | 9.15% | 8.05% | 5.15% | 2.50% | 2.54% | -661 bps | |
| Deposit Growth (YoY) | 13.12% | 9.45% | 5.60% | 6.78% | 6.90% | -3.12% | -0.30% | -0.24% | -702 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.09% | 1.75% | 2.46% | 2.45% | 2.22% | 1.67% | 4.69% | 5.32% | +287 bps | |
| Net Charge-Offs / Loans | 0.45% | 0.74% | 0.32% | 0.44% | 0.00% | 0.22% | -0.02% | 0.05% | -39 bps | |
| Allowance / Loans | 0.85% | 0.89% | 0.91% | 0.93% | 1.04% | 1.07% | 1.08% | 1.13% | +20 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.5x | 0.4x | 0.4x | 0.5x | 0.6x | 0.2x | 0.2x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.25% | 9.49% | 9.59% | 9.79% | 9.80% | 10.43% | 10.65% | 10.76% | +97 bps | |
| Total Risk-Based Capital | 14.20% | 14.19% | 14.41% | 14.74% | 15.24% | 15.85% | 16.09% | 16.05% | +131 bps | |
| Equity / Assets | 9.50% | 9.52% | 9.78% | 9.91% | 10.31% | 10.97% | 10.90% | 11.11% | +120 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.18% | 89.63% | 91.67% | 92.66% | 91.16% | 97.29% | 94.24% | 95.25% | +259 bps | |
| Liquid Assets / Assets | 4.96% | 4.16% | 2.78% | 3.04% | 3.41% | 2.21% | 4.20% | 2.32% | -73 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 378% | 377% | 377% | n/a | n/a | |