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 | |