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 | |