Kaukauna, WI · Cert 15228 · Brogan Bankshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Appleton, WI · 2026 SOD (annual) · 3.0% share · #12 of 23 inst. · $0.2B of $5.1B
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 | 0.86% | 1.02% | 1.08% | 1.10% | 1.10% | 1.10% | 0.95% | 1.11% | +1 bps | |
| Return on Equity | 10.99% | 13.22% | 14.60% | 14.54% | 14.45% | 14.56% | 12.09% | 13.92% | -62 bps | |
| Net Interest Margin | 3.21% | 3.14% | 3.25% | 3.47% | 3.46% | 3.43% | 3.66% | 3.83% | +35 bps | |
| Efficiency Ratio | 77.29% | 74.80% | 71.76% | 72.44% | 73.78% | 73.85% | 78.14% | 74.96% | +252 bps | |
| Non-Interest Burden | 2.06% | 1.88% | 1.78% | 1.94% | 2.04% | 2.04% | 2.47% | 2.35% | +41 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.52% | 8.04% | 19.45% | 14.58% | 12.57% | 13.39% | -1.99% | 6.80% | -778 bps | |
| Loan Growth (YoY) | 20.61% | 9.01% | 11.62% | 6.76% | 0.64% | 4.71% | 7.10% | 12.03% | +527 bps | |
| Deposit Growth (YoY) | 6.71% | 7.87% | 15.70% | 9.81% | 8.23% | 9.37% | -3.03% | 6.82% | -299 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.20% | 0.30% | 0.09% | 0.00% | 0.00% | 0.00% | 0.00% | -9 bps | |
| Net Charge-Offs / Loans | -0.05% | -0.04% | 0.00% | 0.00% | 0.00% | 0.00% | 0.07% | 0.06% | +6 bps | |
| Allowance / Loans | 1.14% | 1.14% | 1.20% | 1.22% | 1.23% | 1.17% | 1.14% | 1.10% | -12 bps | |
| Allowance Coverage of NPLs | n/a | 5.6x | 4.0x | 13.3x | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.64% | 8.38% | 7.94% | 8.58% | 8.47% | 8.38% | 8.49% | 8.90% | +32 bps | |
| Total Risk-Based Capital | 11.90% | 11.75% | 11.88% | 12.37% | 12.40% | 11.53% | 12.22% | 11.75% | -62 bps | |
| Equity / Assets | 7.82% | 7.38% | 7.41% | 7.88% | 7.70% | 7.39% | 8.36% | 8.13% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.74% | 77.99% | 79.39% | 82.36% | 76.93% | 74.67% | 87.68% | 86.37% | +402 bps | |
| Liquid Assets / Assets | 3.22% | 3.02% | 4.27% | 4.41% | 7.53% | 7.44% | 4.82% | 4.72% | +32 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 419% | 442% | 455% | n/a | n/a | |