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 | |