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 (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 | 0.41% | 0.81% | 0.72% | 0.81% | 0.85% | 1.21% | 1.41% | 1.28% | +47 bps | |
| Return on Equity | 4.86% | 9.50% | 8.43% | 9.02% | 8.99% | 12.81% | 14.68% | 12.54% | +352 bps | |
| Net Interest Margin | 2.95% | 3.13% | 2.89% | 3.14% | 3.31% | 3.44% | 3.41% | 3.63% | +49 bps | |
| Efficiency Ratio | 83.80% | 75.37% | 74.26% | 69.98% | 59.85% | 61.75% | 58.02% | 57.86% | -1,212 bps | |
| Non-Interest Burden | 2.40% | 2.31% | 2.06% | 2.07% | 1.83% | 1.97% | 1.82% | 1.92% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.10% | -0.19% | 3.99% | 2.31% | 2.63% | 9.06% | 4.31% | 4.11% | +180 bps | |
| Loan Growth (YoY) | 5.98% | 4.72% | -0.25% | 4.48% | 1.84% | 6.36% | 6.31% | 7.10% | +262 bps | |
| Deposit Growth (YoY) | 1.20% | 0.05% | 3.14% | 0.97% | 1.52% | 8.30% | 4.55% | 4.52% | +355 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.05% | 0.00% | 0.33% | 0.25% | 0.17% | 0.15% | 0.14% | -19 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.03% | -0.02% | 0.01% | 1.00% | -0.04% | -0.02% | 0.02% | 0 bps | |
| Allowance / Loans | 1.00% | 1.01% | 1.05% | 1.03% | 0.94% | 0.92% | 0.91% | 0.89% | -15 bps | |
| Allowance Coverage of NPLs | n/a | 20.3x | n/a | 3.1x | 3.7x | 5.5x | 6.0x | 6.4x | +3.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.27% | 11.37% | 11.04% | 11.53% | 11.72% | 11.47% | 11.40% | 12.15% | +63 bps | |
| Total Risk-Based Capital | 11.27% | 11.37% | 11.04% | 11.53% | 11.72% | 11.47% | 11.40% | 12.15% | +63 bps | |
| Equity / Assets | 8.78% | 8.19% | 8.80% | 9.17% | 9.70% | 9.24% | 10.00% | 10.48% | +132 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.19% | 75.13% | 74.11% | 78.39% | 78.44% | 73.78% | 75.36% | 80.33% | +194 bps | |
| Liquid Assets / Assets | 1.25% | 3.61% | 5.31% | 2.25% | 2.98% | 6.84% | 5.53% | 2.08% | -17 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 119.19% | 109.46% | 108.96% | n/a | n/a | |