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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.62% | 1.03% | 1.19% | 0.75% | 1.07% | +45 bps | |
| Return on Equity | 4.89% | 8.03% | 9.02% | 5.58% | 7.75% | +286 bps | |
| Net Interest Margin | 4.46% | 4.92% | 4.90% | 4.63% | 4.86% | +40 bps | |
| Efficiency Ratio | 65.75% | 63.99% | 65.35% | 65.02% | 57.87% | -788 bps | |
| Non-Interest Burden | 2.77% | 3.02% | 3.04% | 2.92% | 2.65% | -12 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.10% | -3.93% | -0.28% | 0.32% | -3.44% | -354 bps | |
| Loan Growth (YoY) | -6.81% | -5.18% | -5.22% | -4.95% | -0.73% | +609 bps | |
| Deposit Growth (YoY) | 4.79% | -2.02% | 0.37% | 1.07% | -2.11% | -690 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 6.50% | 8.51% | 8.61% | 8.73% | 8.53% | +204 bps | |
| Net Charge-Offs / Loans | 0.76% | -0.02% | 2.36% | -0.15% | -0.08% | -84 bps | |
| Allowance / Loans | 1.97% | 2.07% | 1.62% | 1.94% | 2.25% | +29 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.2x | 0.2x | 0.2x | 0.3x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.34% | 13.21% | 13.83% | 13.85% | 13.85% | +51 bps | |
| Total Risk-Based Capital | 13.34% | 13.21% | 13.83% | 13.85% | 13.85% | +51 bps | |
| Equity / Assets | 12.56% | 13.14% | 13.31% | 13.65% | 13.99% | +143 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.66% | 99.07% | 97.57% | 97.00% | 97.01% | +135 bps | |
| Liquid Assets / Assets | 0.00% | 0.02% | 0.02% | 0.02% | 0.02% | +2 bps | |
| CRE / Total Capital | n/a | 83.76% | 87.48% | 81.47% | n/a | n/a | |