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 | |