Intercity State Bank
Schofield, WI · Cert 17128 · Peer group: banks under $1B in assets in WI (n=118-121)
FDIC · 3 branches
Q2 2025
$260.5MAssets
$212.3MLoans
$199.2MDeposits
$60.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in WI (rank 37 of 118).
- Widest gap: return on equity trails 67% of banks under $1B in assets in WI (rank 81 of 121).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.76%
Rank 13 of 121
Net Interest Margin
3.64%
Rank 34 of 121
Efficiency Ratio
43.41%
Rank 9 of 121
Equity / Assets
23.10%
Rank 6 of 121
Non-interest income vs. expense
Unfavorable gap of $3.8M · efficiency ratio beats 93% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.76% | 0.65% | 0.96% | 1.34% | Beats 89% | 13 / 121 | | |
| Return on Equity | 7.60% | 6.61% | 9.45% | 11.95% | Beats 33% | 81 / 121 | | |
| Net Interest Margin | 3.64% | 2.86% | 3.23% | 3.68% | Beats 72% | 34 / 121 | | |
| Efficiency Ratio | 43.41% | 57.12% | 67.55% | 77.22% | Beats 93% | 9 / 121 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.11% | 0.03% | 0.27% | 0.68% | Beats 61% | 47 / 118 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 100% | 37 / 118 | | |
| Capital |
| Tier 1 Capital Ratio | 26.78% | 11.41% | 12.66% | 16.14% | Beats 94% | 7 / 121 | | |
| Total Risk-Based Capital Ratio | 27.80% | 11.60% | 13.47% | 16.77% | Beats 93% | 9 / 121 | | |
| Equity / Assets | 23.10% | 8.83% | 10.37% | 12.88% | Beats 95% | 6 / 121 | | |
| Liquidity & Funding |
| Loans / Deposits | 106.59% | 71.82% | 85.98% | 96.19% | 87th pctl | 16 / 120 | | |
| Loans / Assets | 81.53% | 61.64% | 71.81% | 79.67% | 83rd pctl | 20 / 118 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |