Wisconsin Dells, WI · Cert 15136 · Dells Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
56
Asset Quality
95
Profitability
73
Liquidity
73
Efficiency
96
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Wisconsin Dells, WI · Cert 15136 · Dells Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Madison, WI · 2026 SOD (annual) · 2.2% share · #13 of 41 inst. · $0.7B of $30.1B
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 | 1.14% | 1.19% | 1.51% | 1.52% | 1.65% | 1.60% | 1.77% | 1.75% | +23 bps | |
| Return on Equity | 11.80% | 12.25% | 14.84% | 14.68% | 15.52% | 15.00% | 16.36% | 15.92% | +124 bps | |
| Net Interest Margin | 2.55% | 2.74% | 3.06% | 3.18% | 3.28% | 3.38% | 3.54% | 3.53% | +35 bps | |
| Efficiency Ratio | 51.27% | 51.24% | 44.26% | 44.97% | 42.77% | 44.36% | 37.71% | 39.66% | -530 bps | |
| Non-Interest Burden | 1.11% | 1.20% | 1.12% | 1.20% | 1.16% | 1.27% | 1.04% | 1.11% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.50% | 0.79% | 3.83% | 2.74% | 4.77% | 10.82% | 6.29% | 7.53% | +479 bps | |
| Loan Growth (YoY) | 3.88% | 3.76% | 4.97% | 4.27% | 7.96% | 12.47% | 6.66% | 7.35% | +308 bps | |
| Deposit Growth (YoY) | 2.41% | 1.41% | -0.48% | -0.19% | 1.46% | 6.44% | 8.77% | 11.75% | +1,194 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.15% | 0.14% | 0.13% | 0.14% | 0.12% | 0.12% | 0.10% | 0.09% | -5 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.02% | -0.01% | 0.01% | 0.00% | -0.02% | -0.01% | 0 bps | |
| Allowance / Loans | 1.73% | 1.72% | 1.68% | 1.67% | 1.65% | 1.64% | 1.72% | 1.69% | +2 bps | |
| Allowance Coverage of NPLs | 11.7x | 12.1x | 12.5x | 11.5x | 13.3x | 13.9x | 17.7x | 18.6x | +7.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.01% | 11.35% | 11.57% | 11.74% | 11.92% | 11.80% | 11.77% | 12.12% | +38 bps | |
| Total Risk-Based Capital | 13.98% | 13.49% | 13.74% | 13.88% | 14.27% | 13.70% | 13.97% | 14.23% | +35 bps | |
| Equity / Assets | 10.48% | 10.12% | 10.21% | 10.77% | 11.33% | 10.74% | 10.92% | 11.28% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.20% | 88.77% | 90.98% | 94.74% | 93.85% | 93.80% | 89.21% | 91.00% | -373 bps | |
| Liquid Assets / Assets | 0.98% | 0.35% | 2.76% | 0.60% | 0.26% | 1.12% | 3.60% | 0.77% | +17 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 554% | 586% | 554% | n/a | n/a | |
Wisconsin Dells, WI · Cert 15136 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Dells Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
1.74%
Rank 33 of 258
Net Interest Margin
3.53%
Rank 121 of 258
Efficiency Ratio
39.66%
Rank 12 of 257
Equity / Assets
11.28%
Rank 88 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.74% | 0.93% | 1.23% | 1.54% | Beats 87% | 33 / 258 | ||
| Return on Equity | 15.40% | 9.26% | 11.84% | 14.74% | Beats 79% | 55 / 258 | ||
| Net Interest Margin | 3.53% | 3.16% | 3.49% | 3.88% | Beats 53% | 121 / 258 | ||
| Efficiency Ratio | 39.66% | 51.71% | 60.30% | 69.65% | Beats 96% | 12 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.09% | 0.19% | 0.46% | 0.90% | Beats 89% | 30 / 258 | ||
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.07% | Beats 100% | 15 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.97% | 11.41% | 12.98% | 15.12% | Beats 50% | 130 / 258 | ||
| Total Risk-Based Capital Ratio | 14.23% | 12.10% | 13.91% | 16.08% | Beats 53% | 121 / 258 | ||
| Equity / Assets | 11.28% | 9.09% | 10.24% | 11.72% | Beats 66% | 88 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.00% | 73.24% | 86.34% | 95.95% | 63rd pctl | 96 / 258 | ||
| Loans / Assets | 78.19% | 63.01% | 72.27% | 78.40% | 72nd pctl | 71 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||