Madison, WI · Cert 15229 · First Bus Finl Services Inc.
State charter, non-member · FDIC · 4 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 regionally (n=174). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
33
Asset Quality
25
Profitability
57
Liquidity
26
Efficiency
55
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.
Madison, WI · Cert 15229 · First Bus Finl Services Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Madison, WI · 2026 SOD (annual) · 9.5% share · #3 of 41 inst. · $2.9B 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 | 1.25% | 1.32% | 1.27% | 1.26% | 1.36% | 1.36% | 1.29% | 1.41% | +15 bps | |
| Return on Equity | 12.82% | 13.49% | 12.93% | 12.77% | 13.66% | 13.51% | 12.72% | 13.89% | +112 bps | |
| Net Interest Margin | 3.42% | 3.40% | 3.55% | 3.50% | 3.45% | 3.35% | 3.44% | 3.51% | +1 bps | |
| Efficiency Ratio | 59.44% | 58.31% | 57.76% | 58.35% | 57.30% | 57.01% | 58.37% | 58.08% | -26 bps | |
| Non-Interest Burden | 1.70% | 1.64% | 1.71% | 1.72% | 1.63% | 1.57% | 1.65% | 1.68% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.68% | 9.81% | 11.68% | 10.69% | 8.60% | 5.93% | 9.53% | 10.13% | -55 bps | |
| Loan Growth (YoY) | 10.48% | 9.52% | 9.57% | 9.14% | 9.49% | 8.49% | 10.26% | 9.81% | +67 bps | |
| Deposit Growth (YoY) | 11.98% | 11.21% | 17.66% | 14.65% | 12.03% | 8.63% | 10.05% | 8.64% | -601 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.63% | 0.91% | 0.75% | 0.88% | 0.70% | 1.29% | 1.15% | 1.06% | +18 bps | |
| Net Charge-Offs / Loans | 0.16% | 0.15% | 0.43% | 0.27% | 0.23% | 0.24% | 0.25% | 0.18% | -9 bps | |
| Allowance / Loans | 1.10% | 1.14% | 1.10% | 1.13% | 1.10% | 1.06% | 1.04% | 1.04% | -9 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.3x | 1.5x | 1.3x | 1.6x | 0.8x | 0.9x | 1.0x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.05% | 10.14% | 10.15% | 10.16% | 10.18% | 10.11% | 10.16% | 10.37% | +21 bps | |
| Total Risk-Based Capital | 11.57% | 11.97% | 12.15% | 12.19% | 12.12% | 12.16% | 12.04% | 12.18% | -1 bps | |
| Equity / Assets | 9.74% | 9.85% | 9.86% | 9.93% | 10.18% | 10.37% | 9.97% | 10.17% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.73% | 100.44% | 98.43% | 98.65% | 100.40% | 100.31% | 98.62% | 99.72% | +106 bps | |
| Liquid Assets / Assets | 2.52% | 3.50% | 3.62% | 1.95% | 0.34% | 0.34% | 2.53% | 3.08% | +113 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 459% | 457% | 461% | n/a | n/a | |
Madison, WI · Cert 15229 · Peer group: banks $1B-$10B in assets operating regionally (n=174) · First Bus Finl Services Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
1.37%
Rank 66 of 174
Net Interest Margin
3.51%
Rank 94 of 174
Efficiency Ratio
58.08%
Rank 80 of 174
Equity / Assets
10.17%
Rank 92 of 174
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.37% | 0.93% | 1.27% | 1.52% | Beats 62% | 66 / 174 | ||
| Return on Equity | 13.45% | 9.26% | 11.89% | 14.41% | Beats 64% | 62 / 174 | ||
| Net Interest Margin | 3.51% | 3.22% | 3.56% | 3.91% | Beats 46% | 94 / 174 | ||
| Efficiency Ratio | 58.08% | 51.59% | 59.21% | 67.02% | Beats 55% | 80 / 174 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.06% | 0.29% | 0.60% | 1.18% | Beats 28% | 127 / 174 | ||
| Net Charge-Offs / Loans | 0.11% | 0.01% | 0.03% | 0.10% | Beats 22% | 137 / 174 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.17% | 11.19% | 12.82% | 14.11% | Beats 24% | 133 / 174 | ||
| Total Risk-Based Capital Ratio | 12.18% | 11.81% | 13.70% | 15.33% | Beats 28% | 125 / 174 | ||
| Equity / Assets | 10.17% | 9.15% | 10.31% | 11.72% | Beats 47% | 92 / 174 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 99.72% | 80.93% | 90.31% | 97.12% | 82nd pctl | 32 / 174 | ||
| Loans / Assets | 81.30% | 69.01% | 75.52% | 80.85% | 77th pctl | 40 / 174 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||