Madison, WI · Cert 23537 · Bankers Bcorp Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
Market Position · Madison, WI · 2026 SOD (annual) · 3.2% share · #11 of 41 inst. · $1.0B of $30.1B
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 | 0.76% | 0.83% | 0.67% | 0.70% | 0.86% | 0.96% | 0.87% | 0.94% | +25 bps | |
| Return on Equity | 7.30% | 7.74% | 6.18% | 6.21% | 7.45% | 7.72% | 6.53% | 7.12% | +91 bps | |
| Net Interest Margin | 1.67% | 1.83% | 1.92% | 2.10% | 2.28% | 2.43% | 2.54% | 2.68% | +58 bps | |
| Efficiency Ratio | 70.83% | 70.12% | 70.50% | 66.79% | 59.52% | 57.30% | 66.58% | 65.42% | -137 bps | |
| Non-Interest Burden | 0.77% | 0.81% | 0.86% | 0.81% | 0.67% | 0.58% | 1.04% | 1.09% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.54% | 0.69% | -0.88% | -2.56% | -0.21% | -3.45% | -1.14% | 2.39% | +494 bps | |
| Loan Growth (YoY) | 7.32% | 2.93% | 3.46% | 1.86% | 4.03% | 1.68% | 2.43% | 0.30% | -155 bps | |
| Deposit Growth (YoY) | 10.52% | 4.53% | 11.96% | 18.16% | -4.55% | -12.79% | -7.65% | 6.69% | -1,147 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.08% | 1.07% | 1.64% | 1.49% | 1.68% | 1.40% | 1.44% | 0.55% | -94 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.07% | 0.01% | 0.75% | 0.14% | 0.53% | 0.07% | 0.56% | -19 bps | |
| Allowance / Loans | 1.05% | 1.04% | 1.11% | 1.00% | 1.13% | 1.28% | 1.34% | 1.29% | +29 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.0x | 0.7x | 0.7x | 0.7x | 0.9x | 0.9x | 2.4x | +1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.66% | 11.75% | 12.06% | 12.63% | 12.69% | 14.03% | 14.72% | 14.70% | +207 bps | |
| Total Risk-Based Capital | 14.34% | 14.57% | 14.94% | 14.74% | 15.13% | 16.83% | 16.83% | 17.02% | +228 bps | |
| Equity / Assets | 10.71% | 10.63% | 11.00% | 11.47% | 11.66% | 13.28% | 13.23% | 13.28% | +181 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 112.99% | 117.63% | 112.01% | 125.22% | 123.15% | 137.15% | 124.24% | 117.73% | -749 bps | |
| Liquid Assets / Assets | 2.78% | 5.18% | 5.32% | 2.41% | 2.54% | 2.65% | 2.68% | 2.96% | +55 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 328% | 282% | 276% | n/a | n/a | |