Brodhead, WI · Cert 2455 · Brodhead Bancshares Inc.
State charter, Fed member · FED · 4 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
9
Asset Quality
39
Profitability
19
Liquidity
93
Efficiency
30
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.
Brodhead, WI · Cert 2455 · Brodhead Bancshares Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
Market Position · Madison, WI · 2026 SOD (annual) · 0.8% share · #26 of 41 inst. · $0.2B 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 | 0.67% | 0.69% | 0.49% | 0.50% | 0.62% | 0.63% | 0.75% | 0.73% | +23 bps | |
| Return on Equity | 6.40% | 6.64% | 5.14% | 5.24% | 6.68% | 6.81% | 8.42% | 8.17% | +294 bps | |
| Net Interest Margin | 2.63% | 2.61% | 2.93% | 2.94% | 2.84% | 2.70% | 2.90% | 2.97% | +3 bps | |
| Efficiency Ratio | 71.77% | 72.26% | 80.04% | 78.45% | 74.44% | 73.29% | 69.09% | 68.80% | -965 bps | |
| Non-Interest Burden | 1.80% | 1.80% | 2.29% | 2.25% | 2.05% | 1.91% | 1.92% | 1.95% | -29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.79% | 10.65% | 12.63% | 16.68% | 20.20% | 20.32% | 18.62% | 14.67% | -202 bps | |
| Loan Growth (YoY) | 11.85% | 10.47% | 10.45% | 16.27% | 20.34% | 22.10% | 18.80% | 13.83% | -244 bps | |
| Deposit Growth (YoY) | 9.74% | 9.70% | 12.99% | 13.04% | 21.88% | 20.32% | 17.11% | 16.75% | +371 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.14% | 0.18% | 0.15% | 0.11% | 0.14% | 1.39% | 1.81% | 1.24% | +113 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.21% | 0.10% | 0.01% | 0.00% | 0.00% | 0.00% | -10 bps | |
| Allowance / Loans | 1.21% | 1.17% | 1.10% | 1.08% | 1.08% | 1.06% | 1.10% | 1.13% | +5 bps | |
| Allowance Coverage of NPLs | 8.5x | 6.6x | 7.5x | 9.9x | 7.9x | 0.8x | 0.6x | 0.9x | -9.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.70% | 10.39% | 10.07% | 9.95% | 9.30% | 9.11% | 9.06% | 9.20% | -75 bps | |
| Total Risk-Based Capital | 10.70% | 10.39% | 10.07% | 9.95% | 9.30% | 9.11% | 9.06% | 9.20% | -75 bps | |
| Equity / Assets | 10.47% | 9.63% | 9.55% | 9.26% | 8.95% | 8.98% | 8.81% | 8.87% | -39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.82% | 86.33% | 84.60% | 90.02% | 85.72% | 87.61% | 85.82% | 87.78% | -225 bps | |
| Liquid Assets / Assets | 4.12% | 3.92% | 3.67% | 3.21% | 3.60% | 2.76% | 3.55% | 2.53% | -69 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 312% | 308% | 319% | n/a | n/a | |
Brodhead, WI · Cert 2455 · Peer group: banks under $1B in assets in WI (n=110-113) · Brodhead Bancshares Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
Return on Assets
0.72%
Rank 95 of 113
Net Interest Margin
2.97%
Rank 97 of 113
Efficiency Ratio
69.24%
Rank 80 of 113
Equity / Assets
8.87%
Rank 91 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.72% | 0.85% | 1.17% | 1.51% | Beats 16% | 95 / 113 | ||
| Return on Equity | 8.07% | 7.70% | 10.77% | 13.67% | Beats 27% | 83 / 113 | ||
| Net Interest Margin | 2.97% | 3.19% | 3.59% | 3.89% | Beats 14% | 97 / 113 | ||
| Efficiency Ratio | 69.24% | 54.61% | 62.43% | 71.88% | Beats 30% | 80 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.24% | 0.03% | 0.24% | 0.91% | Beats 18% | 91 / 110 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 59% | 47 / 110 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.20% | 11.22% | 12.95% | 15.76% | Beats 4% | 109 / 113 | ||
| Total Risk-Based Capital Ratio | 9.20% | 11.57% | 13.59% | 16.73% | Beats 4% | 109 / 113 | ||
| Equity / Assets | 8.87% | 9.17% | 10.74% | 13.13% | Beats 19% | 91 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.78% | 76.54% | 86.37% | 98.93% | 54th pctl | 51 / 112 | ||
| Loans / Assets | 70.35% | 63.07% | 71.33% | 78.84% | 45th pctl | 62 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||