Durand, WI · Cert 14222 · Security Finl Services Corp.
State charter, Fed member · FED · 8 branches
Q2 2026
Market Position · Eau Claire, WI · 2026 SOD (annual) · 6.6% share · #7 of 22 inst. · $0.2B of $3.7B
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 | 0.62% | 0.68% | 0.95% | 1.00% | 1.06% | 1.11% | 1.26% | 1.28% | +28 bps | |
| Return on Equity | 7.69% | 8.36% | 11.02% | 11.54% | 12.03% | 12.41% | 13.50% | 13.68% | +213 bps | |
| Net Interest Margin | 2.55% | 2.62% | 3.08% | 3.17% | 3.17% | 3.22% | 3.51% | 3.54% | +37 bps | |
| Efficiency Ratio | 67.13% | 67.17% | 61.29% | 58.30% | 57.95% | 57.69% | 54.16% | 54.49% | -381 bps | |
| Non-Interest Burden | 1.60% | 1.65% | 1.77% | 1.71% | 1.70% | 1.72% | 1.77% | 1.79% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.77% | 7.60% | 5.34% | 6.22% | 3.11% | 7.89% | 5.26% | 5.98% | -25 bps | |
| Loan Growth (YoY) | 13.56% | 8.07% | 7.40% | 7.29% | 7.64% | 9.85% | 8.48% | 8.07% | +78 bps | |
| Deposit Growth (YoY) | 4.01% | 6.11% | 7.65% | 10.59% | 5.81% | 7.19% | 2.67% | 2.56% | -803 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.37% | 0.19% | 0.16% | 1.19% | 1.61% | 1.52% | 1.54% | 1.44% | +24 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.06% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.05% | +5 bps | |
| Allowance / Loans | 1.51% | 1.43% | 1.43% | 1.43% | 1.44% | 1.43% | 1.45% | 1.44% | +1 bps | |
| Allowance Coverage of NPLs | 4.1x | 7.5x | 9.2x | 1.2x | 0.9x | 0.9x | 0.9x | 1.0x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.16% | 9.26% | 9.38% | 9.48% | 9.27% | 9.51% | 9.48% | 9.67% | +19 bps | |
| Total Risk-Based Capital | 13.09% | 13.26% | 13.04% | 13.08% | 12.90% | 13.00% | 12.96% | 13.23% | +15 bps | |
| Equity / Assets | 8.73% | 8.49% | 8.67% | 8.92% | 9.22% | 9.39% | 9.27% | 9.53% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.42% | 85.64% | 85.48% | 86.92% | 87.91% | 87.76% | 90.31% | 91.60% | +467 bps | |
| Liquid Assets / Assets | 1.12% | 0.68% | 0.18% | 0.49% | 0.40% | 1.93% | 0.71% | 0.30% | -18 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 288% | 289% | 289% | n/a | n/a | |