Ontario, WI · Cert 21085 · Ontario Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in WI (n=110 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
65
Asset Quality
16
Profitability
48
Liquidity
49
Efficiency
55
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Ontario, WI · Cert 21085 · Ontario Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · La Crosse-Onalaska, WI-MN · 2026 SOD (annual) · 1.4% share · #17 of 24 inst. · $0.1B of $4.9B
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 | 1.98% | 2.01% | 1.38% | 0.99% | 1.01% | 1.06% | 0.75% | 0.91% | -8 bps | |
| Return on Equity | 17.33% | 17.26% | 10.87% | 7.88% | 7.91% | 8.21% | 5.58% | 6.67% | -121 bps | |
| Net Interest Margin | 4.92% | 5.03% | 4.91% | 4.72% | 4.71% | 4.83% | 4.63% | 4.75% | +3 bps | |
| Efficiency Ratio | 51.08% | 50.97% | 60.28% | 62.88% | 63.26% | 63.79% | 65.02% | 61.32% | -157 bps | |
| Non-Interest Burden | 2.30% | 2.36% | 2.79% | 2.80% | 2.83% | 2.92% | 2.92% | 2.79% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.31% | 1.46% | -1.63% | 0.10% | -3.93% | -0.28% | 0.32% | -3.44% | -354 bps | |
| Loan Growth (YoY) | -0.83% | -0.61% | -1.00% | -6.81% | -5.18% | -5.22% | -4.95% | -0.73% | +609 bps | |
| Deposit Growth (YoY) | 4.24% | 4.81% | 2.84% | 4.79% | -2.02% | 0.37% | 1.07% | -2.11% | -690 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.44% | 3.31% | 5.04% | 6.50% | 8.51% | 8.61% | 8.73% | 8.53% | +204 bps | |
| Net Charge-Offs / Loans | 0.18% | 0.15% | 0.19% | 0.48% | 0.31% | 0.82% | -0.15% | -0.11% | -60 bps | |
| Allowance / Loans | 1.64% | 1.69% | 1.79% | 1.97% | 2.07% | 1.62% | 1.94% | 2.25% | +29 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.5x | 0.4x | 0.3x | 0.2x | 0.2x | 0.2x | 0.3x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.36% | 12.83% | 13.23% | 13.34% | 13.21% | 13.83% | 13.85% | 13.85% | +51 bps | |
| Total Risk-Based Capital | 12.36% | 12.83% | 13.23% | 13.34% | 13.21% | 13.83% | 13.85% | 13.85% | +51 bps | |
| Equity / Assets | 11.92% | 12.48% | 12.83% | 12.56% | 13.14% | 13.31% | 13.65% | 13.99% | +143 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.37% | 103.32% | 103.15% | 95.66% | 99.07% | 97.57% | 97.00% | 97.01% | +135 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | 0.02% | 0.02% | 0.02% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 83.76% | 87.48% | 81.47% | n/a | n/a | |
Ontario, WI · Cert 21085 · Peer group: banks under $1B in assets in WI (n=110-113) · Ontario Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
0.93%
Rank 80 of 113
Net Interest Margin
4.75%
Rank 5 of 113
Efficiency Ratio
61.32%
Rank 52 of 113
Equity / Assets
13.99%
Rank 20 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.93% | 0.85% | 1.17% | 1.51% | Beats 29% | 80 / 113 | ||
| Return on Equity | 6.62% | 7.70% | 10.77% | 13.67% | Beats 18% | 93 / 113 | ||
| Net Interest Margin | 4.75% | 3.19% | 3.59% | 3.89% | Beats 96% | 5 / 113 | ||
| Efficiency Ratio | 61.32% | 54.61% | 62.43% | 71.88% | Beats 55% | 52 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 8.53% | 0.03% | 0.24% | 0.91% | Beats 2% | 109 / 110 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.01% | Beats 29% | 79 / 110 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.85% | 11.22% | 12.95% | 15.76% | Beats 62% | 43 / 113 | ||
| Total Risk-Based Capital Ratio | 13.85% | 11.57% | 13.59% | 16.73% | Beats 52% | 54 / 113 | ||
| Equity / Assets | 13.99% | 9.17% | 10.74% | 13.13% | Beats 82% | 20 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 97.01% | 76.54% | 86.37% | 98.93% | 71st pctl | 32 / 112 | ||
| Loans / Assets | 82.80% | 63.07% | 71.33% | 78.84% | 82nd pctl | 20 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||