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 (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 | 0.82% | 0.76% | 1.05% | 0.77% | 1.24% | 1.22% | 1.24% | 1.37% | +60 bps | |
| Return on Equity | 6.70% | 6.22% | 8.59% | 6.45% | 10.60% | 10.22% | 10.06% | 11.08% | +463 bps | |
| Net Interest Margin | 3.15% | 3.17% | 3.18% | 3.23% | 3.35% | 3.29% | 3.25% | 3.36% | +13 bps | |
| Efficiency Ratio | 68.65% | 69.26% | 68.04% | 66.40% | 64.48% | 64.51% | 62.78% | 61.70% | -470 bps | |
| Non-Interest Burden | 1.83% | 1.89% | 1.83% | 1.80% | 1.76% | 1.75% | 1.65% | 1.69% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.71% | 7.49% | 8.33% | 9.43% | 6.97% | 6.57% | 2.33% | 0.32% | -911 bps | |
| Loan Growth (YoY) | 4.29% | 7.47% | 8.57% | 9.87% | 8.48% | 4.41% | 2.18% | 0.48% | -939 bps | |
| Deposit Growth (YoY) | 1.63% | 5.98% | 4.08% | 7.08% | 12.23% | 11.51% | 9.90% | 2.65% | -443 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.36% | 0.18% | 0.21% | 0.35% | 0.34% | 0.28% | 0.28% | 0.23% | -12 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.85% | 0.00% | 0.69% | 0.01% | 0.41% | -0.12% | 0.00% | -69 bps | |
| Allowance / Loans | 1.73% | 1.60% | 1.56% | 1.49% | 1.47% | 1.45% | 1.48% | 1.42% | -7 bps | |
| Allowance Coverage of NPLs | 4.8x | 8.9x | 7.4x | 4.2x | 4.3x | 5.2x | 5.3x | 6.1x | +1.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.24% | 12.39% | 12.53% | 11.78% | 11.98% | 11.96% | 12.47% | 12.33% | +55 bps | |
| Total Risk-Based Capital | 16.60% | 16.75% | 16.85% | 15.87% | 16.14% | 16.89% | 17.30% | 16.87% | +100 bps | |
| Equity / Assets | 12.28% | 12.14% | 12.28% | 11.59% | 11.89% | 12.01% | 12.58% | 12.20% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.92% | 94.00% | 97.46% | 97.62% | 93.67% | 88.01% | 90.61% | 95.56% | -206 bps | |
| Liquid Assets / Assets | 13.73% | 14.68% | 14.14% | 13.76% | 13.42% | 16.96% | 14.30% | 13.37% | -39 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 324% | 301% | 298% | n/a | n/a | |