La Crosse, WI · Cert 1513 · Clayton Bankshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · La Crosse-Onalaska, WI-MN · 2026 SOD (annual) · 8.6% share · #5 of 24 inst. · $0.4B of $4.9B
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 | 1.51% | 1.59% | 1.76% | 1.91% | 2.01% | 2.04% | 2.24% | 2.31% | +39 bps | |
| Return on Equity | 16.09% | 16.68% | 17.08% | 18.03% | 18.48% | 18.32% | 18.08% | 18.27% | +24 bps | |
| Net Interest Margin | 3.56% | 3.53% | 3.58% | 3.63% | 3.76% | 3.85% | 4.06% | 4.13% | +49 bps | |
| Efficiency Ratio | 41.69% | 42.83% | 40.91% | 40.35% | 39.67% | 41.21% | 39.87% | 39.35% | -100 bps | |
| Non-Interest Burden | 1.08% | 1.13% | 1.13% | 1.04% | 0.97% | 1.06% | 1.18% | 1.11% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.56% | 9.02% | 7.78% | 2.17% | 0.91% | -3.81% | -4.60% | -2.11% | -428 bps | |
| Loan Growth (YoY) | 5.69% | 0.56% | 0.67% | -2.55% | -2.36% | -1.54% | -0.11% | 0.94% | +349 bps | |
| Deposit Growth (YoY) | 3.39% | 11.32% | 10.64% | 4.58% | 5.07% | -6.43% | -4.49% | -3.79% | -837 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.14% | 1.06% | 1.17% | 1.07% | 1.01% | 1.68% | 1.02% | 1.06% | -1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.04% | -0.03% | 0.01% | 0.04% | 0.04% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.17% | 1.21% | 1.27% | 1.29% | 1.32% | 1.38% | 1.36% | 1.36% | +7 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.1x | 1.1x | 1.2x | 1.3x | 0.8x | 1.3x | 1.3x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.28% | 10.28% | 10.67% | 11.17% | 11.74% | 12.18% | 12.63% | 13.36% | +219 bps | |
| Total Risk-Based Capital | 13.54% | 10.28% | 10.67% | 11.17% | 11.74% | 12.18% | 12.63% | 13.36% | +219 bps | |
| Equity / Assets | 10.20% | 10.14% | 10.48% | 11.27% | 11.71% | 12.21% | 12.55% | 13.13% | +186 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.91% | 99.06% | 98.37% | 101.43% | 102.13% | 104.23% | 102.88% | 106.42% | +499 bps | |
| Liquid Assets / Assets | 12.24% | 17.69% | 18.41% | 16.32% | 14.64% | 16.21% | 14.73% | 12.60% | -372 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 487% | 465% | 469% | n/a | n/a | |