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International Bank of Amherst, The

Amherst, WI · Cert 14907

State charter, non-member · FDIC · 1 branch

Q2 2026

$103.6MAssets
$53.5MLoans
$88.9MDeposits
$14.5MEquity
Loan mix
89%RE $39.1M11%C&I $4.8M1%Consumer $0.3MQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $68.7M23%Noninterest $20.3MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.57%, down 11 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.42%, up 23 bps from a year ago.
  • Funding: loans stand at 60.13% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.57%-11 bps YoY

Net Interest Margin (quarter, annualized)

3.85%+1 bps YoY

Efficiency Ratio (quarter, annualized)

50.44%+392 bps YoY

Tier 1 Leverage Ratio

14.42%+23 bps YoY

NIM

4.26%Q2 ’244.73%Q2 ’254.89%Q2 ’26+15%+0%

Non-interest income vs. expense

2.03%Q2 ’241.89%Q2 ’252.05%Q2 ’26-7%+10%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.21%1.53%1.67%1.68%1.85%1.58%1.84%1.57%-11 bps
Return on Equity9.13%11.53%12.27%12.15%13.11%11.26%13.20%11.12%-103 bps
Net Interest Margin3.45%3.66%3.71%3.84%3.91%3.94%3.80%3.85%+1 bps
Efficiency Ratio56.10%49.04%44.72%46.52%42.94%50.43%43.16%50.44%+392 bps
Non-Interest Burden1.83%1.69%1.53%1.67%1.56%1.89%1.50%1.84%+17 bps
Growth
Asset Growth (YoY)4.50%1.67%3.17%4.74%-0.67%4.50%2.12%2.90%-184 bps
Loan Growth (YoY)13.50%12.26%10.03%9.20%11.76%8.30%9.18%8.93%-27 bps
Deposit Growth (YoY)4.50%1.10%2.78%4.12%-2.14%4.07%1.59%2.62%-151 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.04%-0.01%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.85%0.81%0.86%0.81%0.78%0.78%0.80%0.78%-3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio13.45%13.62%13.84%14.19%14.24%14.12%13.99%14.42%+23 bps
Total Risk-Based Capital13.45%13.62%13.84%14.19%14.24%14.12%13.99%14.42%+23 bps
Equity / Assets13.17%13.34%13.84%13.77%14.45%13.67%14.25%13.97%+21 bps
Liquidity & Funding
Loans / Deposits53.39%55.84%56.06%56.65%60.97%58.12%60.25%60.13%+348 bps
Liquid Assets / Assets43.94%40.96%41.24%39.76%37.63%38.07%35.86%33.75%-601 bps
CRE / Total Capitaln/an/an/an/a95.39%97.45%97.05%n/an/a