International Bank of Amherst, The
Amherst, WI · Cert 14907 · Peer group: banks under $1B in assets in WI (n=110-113)
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 110).
- Widest gap: total risk-based capital ratio trails 42% of banks under $1B in assets in WI (rank 47 of 113).
- Overall: at or above the peer median on 9 of 9 directional measures.
Return on Assets
1.68%
Rank 19 of 113
Net Interest Margin
3.85%
Rank 36 of 113
Efficiency Ratio
46.79%
Rank 17 of 113
Equity / Assets
13.97%
Rank 21 of 113
Non-interest income vs. expense
Unfavorable gap of $1.7M · efficiency ratio beats 86% 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 83% | 19 / 113 | |
| Return on Equity | 12.01% | 7.70% | 10.77% | 13.67% | Beats 60% | 45 / 113 | |
| Net Interest Margin | 3.85% | 3.19% | 3.59% | 3.89% | Beats 68% | 36 / 113 | |
| Efficiency Ratio | 46.79% | 54.61% | 62.43% | 71.88% | Beats 86% | 17 / 113 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.03% | 0.24% | 0.91% | Beats 100% | 16 / 110 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 100% | 37 / 110 | |
| Capital |
| Tier 1 Capital Ratio | 14.42% | 11.22% | 12.95% | 15.76% | Beats 65% | 40 / 113 | |
| Total Risk-Based Capital Ratio | 14.42% | 11.57% | 13.59% | 16.73% | Beats 58% | 47 / 113 | |
| Equity / Assets | 13.97% | 9.17% | 10.74% | 13.13% | Beats 81% | 21 / 113 | |
| Liquidity & Funding |
| Loans / Deposits | 60.13% | 76.54% | 86.37% | 98.93% | 9th pctl | 102 / 112 | |
| Loans / Assets | 51.62% | 63.07% | 71.33% | 78.84% | 8th pctl | 104 / 113 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |