First Business Bank
Madison, WI · Cert 15229 · Peer group: banks $1B-$10B in assets operating regionally (n=178) · 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 63% of banks $1B-$10B in assets operating regionally (rank 65 of 178).
- Widest gap: net charge-offs / loans trails 78% of banks $1B-$10B in assets operating regionally (rank 140 of 178).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.37%
Rank 67 of 178
Net Interest Margin
3.51%
Rank 95 of 178
Efficiency Ratio
58.08%
Rank 80 of 178
Equity / Assets
10.17%
Rank 95 of 178
Non-interest income vs. expense
Unfavorable gap of $72.5M · efficiency ratio beats 56% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.37% | 0.91% | 1.25% | 1.53% | Beats 62% | 67 / 178 | | |
| Return on Equity | 13.45% | 9.18% | 11.89% | 14.44% | Beats 63% | 65 / 178 | | |
| Net Interest Margin | 3.51% | 3.22% | 3.56% | 3.91% | Beats 47% | 95 / 178 | | |
| Efficiency Ratio | 58.08% | 52.04% | 58.90% | 67.10% | Beats 56% | 80 / 178 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.06% | 0.29% | 0.60% | 1.26% | Beats 29% | 128 / 178 | | |
| Net Charge-Offs / Loans | 0.11% | 0.01% | 0.03% | 0.10% | Beats 22% | 140 / 178 | | |
| Capital |
| Tier 1 Capital Ratio | 11.17% | 11.19% | 12.72% | 14.14% | Beats 24% | 135 / 178 | | |
| Total Risk-Based Capital Ratio | 12.18% | 11.91% | 13.63% | 15.33% | Beats 28% | 128 / 178 | | |
| Equity / Assets | 10.17% | 9.12% | 10.35% | 11.80% | Beats 47% | 95 / 178 | | |
| Liquidity & Funding |
| Loans / Deposits | 99.72% | 80.94% | 89.92% | 97.12% | 82nd pctl | 32 / 178 | | |
| Loans / Assets | 81.30% | 69.25% | 75.52% | 80.96% | 77th pctl | 41 / 178 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |