Schofield, WI · Cert 17128
FDIC · 3 branches
Q2 2025
Market Position · Wausau, WI · 2025 SOD (annual) · 3.8% share · #8 of 17 inst. · $0.2B of $5.2B
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.19% | 1.27% | 1.20% | 1.27% | 1.40% | 1.36% | 1.58% | 1.69% | +42 bps | |
| Return on Equity | 5.85% | 6.24% | 5.94% | 6.17% | 6.75% | 6.56% | 7.46% | 7.75% | +158 bps | |
| Net Interest Margin | 2.95% | 2.96% | 2.91% | 3.02% | 3.17% | 3.19% | 3.49% | 3.64% | +62 bps | |
| Efficiency Ratio | 49.39% | 48.49% | 51.61% | 50.34% | 48.40% | 47.76% | 44.18% | 43.41% | -693 bps | |
| Non-Interest Burden | 1.30% | 1.28% | 1.39% | 1.40% | 1.41% | 1.39% | 1.46% | 1.44% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.87% | 1.98% | 10.25% | 3.53% | 2.71% | 6.43% | -0.51% | -0.47% | -400 bps | |
| Loan Growth (YoY) | 6.02% | 1.99% | 12.06% | 4.10% | 2.64% | -0.40% | -4.80% | -2.42% | -652 bps | |
| Deposit Growth (YoY) | -1.59% | 1.78% | 6.26% | 11.96% | 9.78% | 12.91% | 7.86% | 2.34% | -962 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.03% | 0.24% | 0.29% | 0.09% | 0.11% | 0.11% | 0.11% | -18 bps | |
| Net Charge-Offs / Loans | -0.05% | -0.05% | -0.06% | -0.04% | 0.13% | 0.10% | -0.01% | -0.01% | +3 bps | |
| Allowance / Loans | 0.94% | 0.94% | 0.92% | 0.96% | 0.83% | 1.01% | 1.02% | 1.03% | +7 bps | |
| Allowance Coverage of NPLs | 29.6x | 30.1x | 3.8x | 3.4x | 9.7x | 9.3x | 9.3x | 9.7x | +6.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 20.66% | 20.74% | 20.39% | 20.78% | 21.35% | 21.32% | 21.45% | 22.57% | +180 bps | |
| Total Risk-Based Capital | 23.72% | 24.14% | 23.88% | 25.05% | 26.03% | 27.31% | 26.93% | 27.80% | +275 bps | |
| Equity / Assets | 20.35% | 20.33% | 20.07% | 21.19% | 21.23% | 20.56% | 21.79% | 23.10% | +191 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 116.44% | 112.65% | 118.44% | 111.79% | 108.88% | 99.37% | 104.53% | 106.59% | -520 bps | |
| Liquid Assets / Assets | 14.06% | 13.61% | 13.04% | 12.84% | 12.87% | 18.38% | 17.14% | 14.59% | +175 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |