Marion, WI · Cert 15799 · M S B Bcorp Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Green Bay, WI · 2026 SOD (annual) · 0.5% share · #16 of 20 inst. · $0.1B of $14.9B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.51% | 0.54% | 0.56% | 0.56% | 0.57% | +6 bps | |
| Return on Equity | 7.38% | 7.54% | 7.79% | 7.56% | 7.62% | +24 bps | |
| Net Interest Margin | 3.08% | 3.19% | 3.25% | 3.37% | 3.42% | +34 bps | |
| Efficiency Ratio | 83.03% | 82.47% | 82.08% | 81.66% | 80.05% | -298 bps | |
| Non-Interest Burden | 2.45% | 2.52% | 2.53% | 2.64% | 2.62% | +17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.39% | -0.33% | 2.84% | 3.80% | 2.95% | -145 bps | |
| Loan Growth (YoY) | 8.37% | 5.65% | 2.35% | 5.19% | 2.49% | -588 bps | |
| Deposit Growth (YoY) | 6.09% | -0.14% | 2.78% | 2.04% | 1.65% | -444 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.85% | +85 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.04% | 1.06% | 1.18% | 1.15% | 1.21% | +17 bps | |
| Allowance Coverage of NPLs | n/a | 813.8x | 4444.0x | 322.7x | 1.4x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.28% | 8.53% | 8.62% | 8.45% | 8.54% | +27 bps | |
| Total Risk-Based Capital | 12.43% | 12.90% | 13.21% | 12.86% | 13.09% | +66 bps | |
| Equity / Assets | 7.25% | 7.56% | 7.51% | 7.42% | 7.67% | +42 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.49% | 81.87% | 78.09% | 79.55% | 81.15% | +66 bps | |
| Liquid Assets / Assets | 2.73% | 1.66% | 3.32% | 1.83% | 2.17% | -56 bps | |
| CRE / Total Capital | n/a | 339% | 316% | 351% | n/a | n/a | |