Oak Creek, WI · Cert 18922 · Tri City Bankshares Corp.
National charter · OCC · 26 branches
Q2 2026
Market Position · Milwaukee-Waukesha, WI · 2026 SOD (annual) · 1.8% share · #10 of 43 inst. · $1.5B of $79.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.51% | 0.71% | 0.70% | 0.89% | 0.83% | 0.78% | 0.88% | +18 bps | |
| Return on Equity | 8.38% | 6.29% | 8.45% | 7.77% | 9.63% | 8.99% | 8.38% | 9.24% | +146 bps | |
| Net Interest Margin | 2.68% | 2.83% | 2.92% | 3.10% | 3.46% | 3.31% | 3.27% | 3.37% | +27 bps | |
| Efficiency Ratio | 75.23% | 67.28% | 76.96% | 75.05% | 72.92% | 70.42% | 73.89% | 71.87% | -318 bps | |
| Non-Interest Burden | 1.82% | 1.63% | 2.08% | 2.13% | 2.31% | 2.12% | 2.23% | 2.22% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.31% | -8.24% | -8.58% | -6.14% | -2.02% | 5.13% | 6.52% | 5.31% | +1,145 bps | |
| Loan Growth (YoY) | -0.51% | 0.35% | 0.84% | -1.47% | -2.35% | -1.02% | 0.45% | 0.59% | +206 bps | |
| Deposit Growth (YoY) | -2.64% | -1.70% | -2.52% | 0.17% | 5.39% | 3.78% | 5.81% | 4.83% | +467 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.49% | 0.63% | 0.63% | 0.72% | 0.29% | 0.46% | 0.29% | 0.51% | -20 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | -0.01% | 0.00% | 0.04% | 0.00% | -0.01% | 0.08% | +9 bps | |
| Allowance / Loans | 1.22% | 1.20% | 1.21% | 1.25% | 1.24% | 1.23% | 1.22% | 1.21% | -4 bps | |
| Allowance Coverage of NPLs | 2.5x | 1.9x | 1.9x | 1.7x | 4.3x | 2.7x | 4.1x | 2.4x | +0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.28% | 10.56% | 11.08% | 11.24% | 11.11% | 10.89% | 10.95% | 11.10% | -14 bps | |
| Total Risk-Based Capital | 10.28% | 10.56% | 11.08% | 11.24% | 11.11% | 10.89% | 10.95% | 11.10% | -14 bps | |
| Equity / Assets | 8.17% | 8.04% | 8.83% | 9.20% | 9.27% | 9.23% | 9.48% | 9.68% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.55% | 67.71% | 70.11% | 69.48% | 66.29% | 64.57% | 66.56% | 66.67% | -281 bps | |
| Liquid Assets / Assets | 6.75% | 6.60% | 4.52% | 6.15% | 10.11% | 11.41% | 9.93% | 8.64% | +249 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 424% | 426% | 426% | n/a | n/a | |