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 | |