Wolcott, IN · Cert 16201 · Wolcott Bcorp
State charter, non-member · FDIC · 3 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 under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
37
Asset Quality
60
Profitability
52
Liquidity
47
Efficiency
83
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.
Wolcott, IN · Cert 16201 · Wolcott Bcorp
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #135 of 147 inst. · $0.0B of $630.7B
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 | 1.23% | 1.21% | 1.23% | 1.24% | 1.31% | 1.30% | 1.21% | 1.32% | +8 bps | |
| Return on Equity | 13.91% | 13.84% | 13.67% | 14.06% | 14.40% | 13.90% | 11.71% | 12.74% | -131 bps | |
| Net Interest Margin | 3.07% | 3.02% | 3.19% | 3.17% | 3.10% | 3.02% | 3.11% | 3.10% | -7 bps | |
| Efficiency Ratio | 53.36% | 54.21% | 54.77% | 54.70% | 52.30% | 52.10% | 53.67% | 51.54% | -316 bps | |
| Non-Interest Burden | 1.48% | 1.48% | 1.61% | 1.60% | 1.48% | 1.43% | 1.56% | 1.49% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.37% | 6.09% | 1.01% | 9.54% | 10.61% | 11.73% | 14.31% | 6.03% | -351 bps | |
| Loan Growth (YoY) | 3.04% | 6.63% | 2.56% | 6.26% | 6.54% | 7.02% | 6.04% | 3.55% | -271 bps | |
| Deposit Growth (YoY) | 0.30% | 1.59% | 3.20% | 7.60% | 7.10% | 10.56% | 8.66% | 3.92% | -368 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.31% | 0.31% | 0.14% | 0.23% | 0.47% | 0.44% | 0.50% | 0.43% | +20 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.10% | 0.00% | 0.00% | -0.01% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.82% | 1.67% | 1.70% | 1.67% | 1.66% | 1.57% | 1.61% | 1.61% | -6 bps | |
| Allowance Coverage of NPLs | 5.8x | 5.3x | 12.0x | 7.4x | 3.5x | 3.6x | 3.2x | 3.8x | -3.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.41% | 12.31% | 12.67% | 12.34% | 12.26% | 12.00% | 12.16% | 12.01% | -33 bps | |
| Total Risk-Based Capital | 12.41% | 12.31% | 12.67% | 12.34% | 12.26% | 12.00% | 12.16% | 12.01% | -33 bps | |
| Equity / Assets | 9.77% | 8.63% | 9.32% | 8.58% | 9.91% | 10.28% | 10.38% | 10.53% | +195 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.34% | 66.43% | 62.94% | 61.44% | 63.01% | 64.30% | 61.42% | 61.22% | -22 bps | |
| Liquid Assets / Assets | 2.61% | 1.28% | 1.65% | 1.07% | 1.11% | 0.94% | 0.95% | 0.83% | -24 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 112.04% | 109.16% | 104.41% | n/a | n/a | |
Wolcott, IN · Cert 16201 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Wolcott Bcorp
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
1.31%
Rank 242 of 746
Net Interest Margin
3.10%
Rank 584 of 746
Efficiency Ratio
51.54%
Rank 129 of 746
Equity / Assets
10.53%
Rank 370 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.31% | 0.72% | 1.06% | 1.45% | Beats 68% | 242 / 746 | ||
| Return on Equity | 12.47% | 6.74% | 10.51% | 13.63% | Beats 67% | 248 / 746 | ||
| Net Interest Margin | 3.10% | 3.17% | 3.68% | 4.16% | Beats 22% | 584 / 746 | ||
| Efficiency Ratio | 51.54% | 55.74% | 64.58% | 75.47% | Beats 83% | 129 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.43% | 0.09% | 0.42% | 1.07% | Beats 50% | 375 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 70% | 231 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.01% | 11.55% | 13.75% | 17.60% | Beats 32% | 510 / 746 | ||
| Total Risk-Based Capital Ratio | 12.01% | 11.71% | 14.33% | 18.43% | Beats 28% | 538 / 746 | ||
| Equity / Assets | 10.53% | 8.90% | 10.51% | 13.06% | Beats 50% | 370 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 61.22% | 61.31% | 78.27% | 90.78% | 25th pctl | 562 / 746 | ||
| Loans / Assets | 51.16% | 53.60% | 66.97% | 76.08% | 22nd pctl | 583 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||