First Business Bank
Madison, WI · Cert 15229 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · First Bus Finl Services Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$4.4BAssets
$3.6BLoans
$3.6BDeposits
$448.6MEquity
Executive Summary
- Strongest standing: return on equity outperforms 64% of banks $1B-$10B in assets operating regionally (rank 64 of 176).
- Widest gap: net charge-offs / loans trails 78% of banks $1B-$10B in assets operating regionally (rank 139 of 176).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.37%
Rank 67 of 176
Net Interest Margin
3.51%
Rank 97 of 176
Efficiency Ratio
58.08%
Rank 76 of 176
Equity / Assets
10.17%
Rank 95 of 176
Non-interest income vs. expense
Unfavorable gap of $72.5M · efficiency ratio beats 57% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.37% | 0.93% | 1.26% | 1.54% | Beats 62% | 67 / 176 | |
| Return on Equity | 13.45% | 9.26% | 11.89% | 14.46% | Beats 64% | 64 / 176 | |
| Net Interest Margin | 3.51% | 3.25% | 3.59% | 3.93% | Beats 45% | 97 / 176 | |
| Efficiency Ratio | 58.08% | 52.79% | 59.55% | 67.66% | Beats 57% | 76 / 176 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.06% | 0.30% | 0.64% | 1.32% | Beats 30% | 124 / 176 | |
| Net Charge-Offs / Loans | 0.11% | 0.01% | 0.04% | 0.10% | Beats 22% | 139 / 176 | |
| Capital |
| Tier 1 Capital Ratio | 11.17% | 11.15% | 12.72% | 14.15% | Beats 26% | 131 / 176 | |
| Total Risk-Based Capital Ratio | 12.18% | 11.81% | 13.63% | 15.33% | Beats 30% | 124 / 176 | |
| Equity / Assets | 10.17% | 9.16% | 10.35% | 11.80% | Beats 46% | 95 / 176 | |
| Liquidity & Funding |
| Loans / Deposits | 99.72% | 80.94% | 89.73% | 97.21% | 82nd pctl | 31 / 176 | |
| Loans / Assets | 81.30% | 69.25% | 75.12% | 80.82% | 78th pctl | 38 / 176 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |