International Bank of Amherst, The
Amherst, WI · Cert 14907 · Peer group: banks under $1B in assets in WI (n=109-112)
State charter, non-member · FDIC · 1 branch
Q2 2026
$103.6MAssets
$53.5MLoans
$88.9MDeposits
$14.5MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in WI (rank 16 of 109).
- Widest gap: total risk-based capital ratio trails 41% of banks under $1B in assets in WI (rank 46 of 112).
- Overall: at or above the peer median on 9 of 9 directional measures.
Return on Assets
1.68%
Rank 18 of 112
Net Interest Margin
3.85%
Rank 35 of 112
Efficiency Ratio
46.79%
Rank 16 of 112
Equity / Assets
13.97%
Rank 20 of 112
Non-interest income vs. expense
Unfavorable gap of $1.7M · efficiency ratio beats 87% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.68% | 0.85% | 1.17% | 1.51% | Beats 84% | 18 / 112 | |
| Return on Equity | 12.01% | 7.87% | 10.91% | 13.85% | Beats 60% | 45 / 112 | |
| Net Interest Margin | 3.85% | 3.19% | 3.59% | 3.89% | Beats 69% | 35 / 112 | |
| Efficiency Ratio | 46.79% | 54.87% | 62.73% | 72.61% | Beats 87% | 16 / 112 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.03% | 0.22% | 0.91% | Beats 100% | 16 / 109 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 100% | 36 / 109 | |
| Capital |
| Tier 1 Capital Ratio | 14.42% | 11.22% | 12.95% | 15.76% | Beats 65% | 39 / 112 | |
| Total Risk-Based Capital Ratio | 14.42% | 11.57% | 13.59% | 16.73% | Beats 59% | 46 / 112 | |
| Equity / Assets | 13.97% | 9.17% | 10.74% | 13.13% | Beats 82% | 20 / 112 | |
| Liquidity & Funding |
| Loans / Deposits | 60.13% | 75.89% | 86.36% | 98.49% | 9th pctl | 101 / 111 | |
| Loans / Assets | 51.62% | 64.03% | 71.52% | 78.98% | 8th pctl | 103 / 112 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |