Johnson Bank
Racine, WI · Cert 20296 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Johnson Financial Group Inc.
State charter, Fed member · FED · 32 branches
Q2 2026
$7.1BAssets
$5.4BLoans
$5.6BDeposits
$862.6MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 80% of banks $1B-$10B in assets operating in a single state (rank 52 of 258).
- Widest gap: net interest margin trails 64% of banks $1B-$10B in assets operating in a single state (rank 166 of 258).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.30%
Rank 110 of 258
Net Interest Margin
3.32%
Rank 166 of 258
Efficiency Ratio
62.23%
Rank 150 of 257
Equity / Assets
12.20%
Rank 54 of 258
Non-interest income vs. expense
Unfavorable gap of $117.4M · efficiency ratio beats 42% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.30% | 0.93% | 1.23% | 1.54% | Beats 57% | 110 / 258 | | |
| Return on Equity | 10.68% | 9.26% | 11.84% | 14.74% | Beats 40% | 154 / 258 | | |
| Net Interest Margin | 3.32% | 3.16% | 3.49% | 3.88% | Beats 36% | 166 / 258 | | |
| Efficiency Ratio | 62.23% | 51.71% | 60.30% | 69.65% | Beats 42% | 150 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.23% | 0.19% | 0.46% | 0.90% | Beats 71% | 77 / 258 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.07% | Beats 73% | 71 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 15.62% | 11.41% | 12.98% | 15.12% | Beats 79% | 55 / 258 | | |
| Total Risk-Based Capital Ratio | 16.87% | 12.10% | 13.91% | 16.08% | Beats 80% | 52 / 258 | | |
| Equity / Assets | 12.20% | 9.09% | 10.24% | 11.72% | Beats 79% | 54 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 95.56% | 73.24% | 86.34% | 95.95% | 74th pctl | 67 / 258 | | |
| Loans / Assets | 76.09% | 63.01% | 72.27% | 78.40% | 63rd pctl | 95 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |