Waukesha, WI · Cert 16160 · Bank Street Capital Corp.
State charter, non-member · FDIC · 15 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 in a single state (n=268 to 269). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
36
Asset Quality
69
Profitability
88
Liquidity
56
Efficiency
62
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.
Waukesha, WI · Cert 16160 · Bank Street Capital Corp.
State charter, non-member · FDIC · 15 branches
Q2 2026
Market Position · Milwaukee-Waukesha, WI · 2026 SOD (annual) · 1.6% share · #12 of 43 inst. · $1.3B of $79.9B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.27% | 1.23% | 1.31% | 1.65% | 1.56% | 1.36% | 1.59% | 1.87% | +22 bps | |
| Return on Equity | 11.97% | 11.51% | 12.19% | 15.14% | 14.16% | 12.19% | 14.67% | 17.15% | +201 bps | |
| Net Interest Margin | 3.52% | 3.53% | 3.68% | 3.79% | 3.78% | 3.81% | 3.85% | 4.11% | +32 bps | |
| Efficiency Ratio | 62.16% | 64.82% | 67.03% | 59.94% | 61.33% | 65.15% | 60.09% | 55.57% | -436 bps | |
| Non-Interest Burden | 1.69% | 1.84% | 2.07% | 1.71% | 1.80% | 2.02% | 1.82% | 1.66% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.67% | 1.35% | 2.67% | 5.64% | 4.68% | 6.40% | 6.52% | 5.45% | -19 bps | |
| Loan Growth (YoY) | 4.54% | 6.95% | 8.13% | 6.38% | 6.44% | 7.34% | 8.44% | 7.43% | +105 bps | |
| Deposit Growth (YoY) | 0.70% | -1.55% | 1.91% | 6.92% | 4.06% | 5.21% | 2.02% | 1.89% | -503 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.42% | 0.68% | 0.59% | 0.38% | 0.36% | 0.51% | 0.58% | 0.25% | -14 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.07% | -0.02% | 0.00% | 0.01% | 0.03% | 0.01% | 0.01% | +1 bps | |
| Allowance / Loans | 0.89% | 0.88% | 0.86% | 0.86% | 0.88% | 0.92% | 0.90% | 0.94% | +8 bps | |
| Allowance Coverage of NPLs | 2.1x | 1.3x | 1.5x | 2.3x | 2.4x | 1.8x | 1.5x | 3.8x | +1.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.13% | 11.89% | 11.40% | 11.87% | 11.91% | 11.92% | 10.69% | 11.51% | -35 bps | |
| Total Risk-Based Capital | 12.13% | 11.89% | 11.40% | 11.87% | 11.91% | 11.92% | 10.69% | 11.51% | -35 bps | |
| Equity / Assets | 11.45% | 10.78% | 10.69% | 11.14% | 11.55% | 11.38% | 10.35% | 10.94% | -21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.75% | 92.33% | 90.73% | 89.19% | 90.78% | 94.20% | 96.44% | 94.04% | +485 bps | |
| Liquid Assets / Assets | 0.30% | 0.39% | 0.54% | 0.99% | 0.40% | 2.05% | 2.05% | 1.28% | +29 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 309% | 317% | 347% | n/a | n/a | |
Waukesha, WI · Cert 16160 · Peer group: banks $1B-$10B in assets operating in a single state (n=268-269) · Bank Street Capital Corp.
State charter, non-member · FDIC · 15 branches
Q2 2026
Return on Assets
1.86%
Rank 25 of 269
Net Interest Margin
4.11%
Rank 37 of 269
Efficiency Ratio
55.57%
Rank 102 of 268
Equity / Assets
10.94%
Rank 105 of 269
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.86% | 0.93% | 1.23% | 1.54% | Beats 91% | 25 / 269 | ||
| Return on Equity | 17.02% | 9.13% | 11.77% | 14.52% | Beats 88% | 32 / 269 | ||
| Net Interest Margin | 4.11% | 3.16% | 3.50% | 3.88% | Beats 86% | 37 / 269 | ||
| Efficiency Ratio | 55.57% | 51.70% | 60.21% | 69.66% | Beats 62% | 102 / 268 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.25% | 0.19% | 0.45% | 0.89% | Beats 68% | 86 / 269 | ||
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.06% | Beats 70% | 83 / 269 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.51% | 11.29% | 13.10% | 15.21% | Beats 28% | 194 / 269 | ||
| Total Risk-Based Capital Ratio | 11.51% | 12.04% | 13.91% | 16.33% | Beats 20% | 214 / 269 | ||
| Equity / Assets | 10.94% | 9.18% | 10.29% | 11.76% | Beats 61% | 105 / 269 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 94.04% | 72.68% | 86.29% | 95.72% | 71st pctl | 79 / 269 | ||
| Loans / Assets | 74.59% | 62.46% | 72.27% | 78.37% | 58th pctl | 112 / 269 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||