West Salem, WI · Cert 14560
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · La Crosse-Onalaska, WI-MN · 2026 SOD (annual) · 2.0% share · #15 of 24 inst. · $0.1B of $4.9B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.76% | 0.79% | 0.89% | 1.41% | 1.34% | +58 bps | |
| Return on Equity | 8.75% | 8.81% | 9.90% | 14.68% | 13.58% | +483 bps | |
| Net Interest Margin | 3.05% | 3.14% | 3.11% | 3.41% | 3.59% | +53 bps | |
| Efficiency Ratio | 72.04% | 67.79% | 66.12% | 58.02% | 57.94% | -1,410 bps | |
| Non-Interest Burden | 2.10% | 2.01% | 1.94% | 1.82% | 1.91% | -19 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.31% | 2.63% | 9.06% | 4.31% | 4.11% | +180 bps | |
| Loan Growth (YoY) | 4.48% | 1.84% | 6.36% | 6.31% | 7.10% | +262 bps | |
| Deposit Growth (YoY) | 0.97% | 1.52% | 8.30% | 4.55% | 4.52% | +355 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.33% | 0.25% | 0.17% | 0.15% | 0.14% | -19 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.33% | 0.23% | -0.02% | 0.00% | +1 bps | |
| Allowance / Loans | 1.03% | 0.94% | 0.92% | 0.91% | 0.89% | -15 bps | |
| Allowance Coverage of NPLs | 3.1x | 3.7x | 5.5x | 6.0x | 6.4x | +3.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.53% | 11.72% | 11.47% | 11.40% | 12.15% | +63 bps | |
| Total Risk-Based Capital | 11.53% | 11.72% | 11.47% | 11.40% | 12.15% | +63 bps | |
| Equity / Assets | 9.17% | 9.70% | 9.24% | 10.00% | 10.48% | +132 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.39% | 78.44% | 73.78% | 75.36% | 80.33% | +194 bps | |
| Liquid Assets / Assets | 2.25% | 2.98% | 6.84% | 5.53% | 2.08% | -17 bps | |
| CRE / Total Capital | n/a | 119.19% | 109.46% | 108.96% | n/a | n/a | |