Prairie Du Sac, WI · Cert 14660 · Ploetz Investments Partnership
State charter, non-member · FDIC · 2 branches
Q2 2026
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 | 1.42% | 1.41% | 1.58% | 1.62% | 1.57% | 1.46% | 1.47% | 1.57% | -5 bps | |
| Return on Equity | 10.80% | 10.79% | 11.99% | 12.28% | 11.90% | 11.25% | 11.85% | 12.46% | +18 bps | |
| Net Interest Margin | 2.69% | 2.72% | 2.86% | 2.90% | 2.78% | 2.62% | 2.75% | 2.83% | -6 bps | |
| Efficiency Ratio | 46.43% | 46.69% | 41.34% | 41.99% | 42.13% | 45.25% | 41.57% | 40.58% | -141 bps | |
| Non-Interest Burden | 1.09% | 1.12% | 1.03% | 1.06% | 1.01% | 1.06% | 1.01% | 1.00% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.23% | 5.99% | 4.81% | 9.95% | 14.38% | 19.59% | 23.10% | 15.69% | +575 bps | |
| Loan Growth (YoY) | 4.06% | 6.65% | 3.45% | 3.07% | 5.13% | 4.33% | 3.64% | 6.00% | +293 bps | |
| Deposit Growth (YoY) | 6.39% | 5.83% | 4.13% | 9.75% | 15.42% | 20.31% | 24.98% | 16.74% | +700 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.02% | 0.00% | 0.00% | 0.06% | 0.01% | 0.01% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.06% | 0.07% | 0.04% | 0.02% | 0.01% | 0.00% | 0.00% | -4 bps | |
| Allowance / Loans | 1.48% | 1.48% | 1.45% | 1.44% | 1.43% | 1.41% | 1.41% | 1.37% | -7 bps | |
| Allowance Coverage of NPLs | 32.6x | 84.5x | 5341.0x | n/a | 23.4x | 173.5x | 173.4x | 2692.5x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.29% | 15.12% | 14.92% | 14.85% | 14.68% | 13.63% | 13.50% | 13.70% | -116 bps | |
| Total Risk-Based Capital | 22.39% | 22.36% | 22.68% | 22.30% | 22.96% | 22.72% | 23.41% | 23.03% | +73 bps | |
| Equity / Assets | 13.90% | 12.72% | 13.62% | 13.32% | 13.24% | 12.33% | 12.51% | 13.05% | -27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.63% | 66.60% | 70.39% | 67.26% | 63.42% | 57.76% | 58.37% | 61.07% | -619 bps | |
| Liquid Assets / Assets | 5.85% | 10.62% | 7.24% | 10.25% | 14.53% | 20.12% | 18.81% | 13.58% | +333 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 208% | 213% | 207% | n/a | n/a | |