Oregon, WI · Cert 22334 · Bosshard Financial Group Inc.
State charter, Fed member · FED · 1 affiliate bank · 19 branches (24 in holding)
Q2 2026
Market Position · Madison, WI · 2026 SOD (annual) · 4.9% share · #7 of 41 inst. · $1.5B of $30.1B
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 | 0.82% | 0.83% | 0.84% | 0.91% | 1.22% | 1.23% | 1.26% | 1.33% | +42 bps | |
| Return on Equity | 7.80% | 7.83% | 7.68% | 8.25% | 10.72% | 10.63% | 10.05% | 10.55% | +230 bps | |
| Net Interest Margin | 2.59% | 2.64% | 2.75% | 2.80% | 2.98% | 3.04% | 3.30% | 3.35% | +55 bps | |
| Efficiency Ratio | 57.68% | 58.00% | 58.60% | 57.00% | 53.12% | 52.65% | 51.74% | 50.43% | -657 bps | |
| Non-Interest Burden | 1.46% | 1.50% | 1.59% | 1.57% | 1.53% | 1.54% | 1.65% | 1.62% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.09% | 0.06% | 2.08% | 3.31% | 16.20% | 17.66% | 16.29% | 17.66% | +1,434 bps | |
| Loan Growth (YoY) | 1.09% | -0.56% | 1.39% | 1.97% | 15.86% | 18.85% | 17.89% | 18.20% | +1,624 bps | |
| Deposit Growth (YoY) | 2.18% | 3.64% | 4.16% | 6.39% | 18.26% | 19.24% | 17.18% | 18.56% | +1,217 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.30% | 0.40% | 0.40% | 0.42% | 0.36% | 0.33% | 0.47% | 0.58% | +15 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.01% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.98% | 1.00% | 1.01% | 1.02% | 1.02% | 1.02% | 1.05% | 1.05% | +3 bps | |
| Allowance Coverage of NPLs | 3.2x | 2.5x | 2.5x | 2.4x | 2.8x | 3.1x | 2.2x | 1.8x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.87% | 11.05% | 11.19% | 11.22% | 12.49% | 12.55% | 12.66% | 12.78% | +156 bps | |
| Total Risk-Based Capital | 10.87% | 11.05% | 11.19% | 11.22% | 12.49% | 12.55% | 12.66% | 12.78% | +156 bps | |
| Equity / Assets | 10.84% | 10.88% | 11.02% | 11.09% | 12.32% | 12.48% | 12.70% | 12.65% | +157 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 108.87% | 107.59% | 108.42% | 108.15% | 106.66% | 107.25% | 109.08% | 107.82% | -33 bps | |
| Liquid Assets / Assets | 4.32% | 3.80% | 3.67% | 3.98% | 3.06% | 2.95% | 2.73% | 3.02% | -96 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 500% | 498% | 495% | n/a | n/a | |