Luxemburg, WI · Cert 13264 · Luxemburg Bancshares Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in WI (n=110 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
24
Asset Quality
35
Profitability
36
Liquidity
88
Efficiency
23
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Luxemburg, WI · Cert 13264 · Luxemburg Bancshares Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Green Bay, WI · 2026 SOD (annual) · 3.6% share · #5 of 20 inst. · $0.5B of $14.9B
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 | 0.80% | 0.61% | 0.78% | 0.94% | 0.99% | 1.11% | 0.63% | 0.80% | -14 bps | |
| Return on Equity | 11.54% | 8.86% | 10.95% | 12.97% | 13.44% | 14.77% | 7.78% | 9.71% | -325 bps | |
| Net Interest Margin | 3.10% | 3.15% | 3.39% | 3.46% | 3.44% | 3.46% | 3.60% | 3.64% | +18 bps | |
| Efficiency Ratio | 72.77% | 78.34% | 74.54% | 70.17% | 68.69% | 67.33% | 77.35% | 73.32% | +315 bps | |
| Non-Interest Burden | 2.14% | 2.37% | 2.40% | 2.28% | 2.20% | 2.14% | 2.63% | 2.48% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.85% | 2.87% | 1.32% | 7.12% | 6.51% | 5.98% | 7.59% | 2.14% | -498 bps | |
| Loan Growth (YoY) | 4.88% | 2.02% | 0.69% | 5.31% | 8.74% | 5.61% | 7.09% | 4.41% | -90 bps | |
| Deposit Growth (YoY) | 4.17% | 4.46% | 2.42% | 6.70% | 7.29% | 4.87% | 7.04% | 1.04% | -566 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 0.04% | 0.07% | 0.04% | 0.66% | 0.04% | 0.13% | 0.18% | +14 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.05% | 0.00% | 0.01% | 0.01% | 0.20% | 0.11% | 0.02% | +1 bps | |
| Allowance / Loans | 0.95% | 0.94% | 0.97% | 0.95% | 0.95% | 0.80% | 0.83% | 0.90% | -5 bps | |
| Allowance Coverage of NPLs | 23.7x | 25.0x | 13.5x | 25.0x | 1.4x | 21.0x | 6.6x | 5.1x | -19.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.01% | 8.92% | 9.12% | 9.17% | 9.13% | 9.31% | 9.39% | 9.64% | +47 bps | |
| Total Risk-Based Capital | 11.85% | 11.65% | 11.64% | 11.47% | 11.61% | 12.07% | 12.17% | 12.24% | +77 bps | |
| Equity / Assets | 7.40% | 6.93% | 7.39% | 7.37% | 7.69% | 8.12% | 8.12% | 8.31% | +95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.22% | 85.84% | 86.54% | 85.98% | 87.38% | 86.45% | 86.58% | 88.84% | +287 bps | |
| Liquid Assets / Assets | 2.19% | 1.34% | 1.04% | 1.74% | 1.19% | 1.27% | 1.75% | 0.33% | -142 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 463% | 440% | 439% | n/a | n/a | |
Luxemburg, WI · Cert 13264 · Peer group: banks under $1B in assets in WI (n=110-113) · Luxemburg Bancshares Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Return on Assets
0.79%
Rank 92 of 113
Net Interest Margin
3.64%
Rank 52 of 113
Efficiency Ratio
73.32%
Rank 88 of 113
Equity / Assets
8.31%
Rank 97 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.79% | 0.85% | 1.17% | 1.51% | Beats 19% | 92 / 113 | ||
| Return on Equity | 9.54% | 7.70% | 10.77% | 13.67% | Beats 35% | 73 / 113 | ||
| Net Interest Margin | 3.64% | 3.19% | 3.59% | 3.89% | Beats 54% | 52 / 113 | ||
| Efficiency Ratio | 73.32% | 54.61% | 62.43% | 71.88% | Beats 23% | 88 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.18% | 0.03% | 0.24% | 0.91% | Beats 55% | 51 / 110 | ||
| Net Charge-Offs / Loans | 0.03% | n/a | 0.00% | 0.01% | Beats 15% | 94 / 110 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.40% | 11.22% | 12.95% | 15.76% | Beats 26% | 84 / 113 | ||
| Total Risk-Based Capital Ratio | 12.24% | 11.57% | 13.59% | 16.73% | Beats 31% | 78 / 113 | ||
| Equity / Assets | 8.31% | 9.17% | 10.74% | 13.13% | Beats 14% | 97 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 88.84% | 76.54% | 86.37% | 98.93% | 56th pctl | 49 / 112 | ||
| Loans / Assets | 77.03% | 63.07% | 71.33% | 78.84% | 66th pctl | 38 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||