Abbotsford, WI · Cert 19795 · Abby Bcorp Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Wausau, WI · 2026 SOD (annual) · 6.9% share · #5 of 17 inst. · $0.4B of $5.4B
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 | 0.31% | 0.41% | 0.27% | 0.55% | 0.65% | 0.71% | 0.69% | 0.86% | +31 bps | |
| Return on Equity | 5.04% | 6.59% | 4.05% | 8.23% | 9.50% | 10.04% | 8.90% | 11.04% | +280 bps | |
| Net Interest Margin | 2.44% | 2.40% | 2.62% | 2.82% | 2.88% | 2.96% | 3.10% | 3.20% | +38 bps | |
| Efficiency Ratio | 84.60% | 81.38% | 85.12% | 75.23% | 73.42% | 72.67% | 71.66% | 68.79% | -644 bps | |
| Non-Interest Burden | 2.03% | 1.92% | 2.20% | 2.07% | 2.05% | 2.08% | 2.14% | 2.10% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.46% | 2.64% | 0.43% | 0.85% | -1.28% | -0.20% | 0.55% | 0.40% | -45 bps | |
| Loan Growth (YoY) | 5.32% | 0.37% | -0.36% | -3.13% | -2.18% | 0.15% | -1.07% | 2.45% | +558 bps | |
| Deposit Growth (YoY) | -0.92% | -0.94% | 2.80% | 2.94% | 2.68% | 5.42% | 2.82% | 4.15% | +121 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.17% | 0.98% | 1.22% | 1.65% | 1.55% | 1.56% | 1.61% | 1.34% | -32 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.14% | 0.00% | 0.07% | 0.06% | 0.04% | 0.00% | 0.00% | -7 bps | |
| Allowance / Loans | 1.21% | 1.10% | 1.13% | 1.14% | 1.13% | 1.12% | 1.17% | 1.13% | 0 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.1x | 0.9x | 0.7x | 0.7x | 0.7x | 0.7x | 0.8x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.71% | 8.50% | 8.63% | 8.92% | 9.00% | 9.16% | 9.36% | 9.43% | +51 bps | |
| Total Risk-Based Capital | 13.03% | 12.97% | 13.12% | 13.30% | 13.50% | 13.64% | 13.83% | 13.78% | +48 bps | |
| Equity / Assets | 6.74% | 6.35% | 6.81% | 6.97% | 7.46% | 7.67% | 7.82% | 7.93% | +96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.13% | 79.20% | 78.07% | 77.15% | 77.29% | 75.24% | 75.12% | 75.89% | -126 bps | |
| Liquid Assets / Assets | 3.74% | 5.18% | 4.54% | 6.04% | 5.05% | 5.81% | 6.99% | 6.79% | +75 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 347% | 345% | 334% | n/a | n/a | |