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 | |