Racine, WI · Cert 20296 · Johnson Financial Group Inc.
State charter, Fed member · FED · 32 branches
Q2 2026
Market Position · Racine-Mount Pleasant, WI · 2026 SOD (annual) · 36.0% share · #1 of 13 inst. · $1.6B of $4.5B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.91% | 1.02% | 1.07% | 1.24% | 1.30% | +39 bps | |
| Return on Equity | 7.55% | 8.54% | 8.96% | 10.06% | 10.61% | +305 bps | |
| Net Interest Margin | 3.16% | 3.20% | 3.16% | 3.25% | 3.32% | +16 bps | |
| Efficiency Ratio | 67.20% | 66.25% | 65.80% | 62.78% | 62.23% | -497 bps | |
| Non-Interest Burden | 1.79% | 1.77% | 1.73% | 1.65% | 1.68% | -11 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.43% | 6.97% | 6.57% | 2.33% | 0.32% | -911 bps | |
| Loan Growth (YoY) | 9.87% | 8.48% | 4.41% | 2.18% | 0.48% | -939 bps | |
| Deposit Growth (YoY) | 7.08% | 12.23% | 11.51% | 9.90% | 2.65% | -443 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.35% | 0.34% | 0.28% | 0.28% | 0.23% | -12 bps | |
| Net Charge-Offs / Loans | 0.34% | 0.23% | 0.28% | -0.12% | -0.06% | -41 bps | |
| Allowance / Loans | 1.49% | 1.47% | 1.45% | 1.48% | 1.42% | -7 bps | |
| Allowance Coverage of NPLs | 4.2x | 4.3x | 5.2x | 5.3x | 6.1x | +1.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.78% | 11.98% | 11.96% | 12.47% | 12.33% | +55 bps | |
| Total Risk-Based Capital | 15.87% | 16.14% | 16.89% | 17.30% | 16.87% | +100 bps | |
| Equity / Assets | 11.59% | 11.89% | 12.01% | 12.58% | 12.20% | +62 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 97.62% | 93.67% | 88.01% | 90.61% | 95.56% | -206 bps | |
| Liquid Assets / Assets | 13.76% | 13.42% | 16.96% | 14.30% | 13.37% | -39 bps | |
| CRE / Total Capital | n/a | 324% | 301% | 298% | n/a | n/a | |