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 (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 | 0.68% | 0.72% | 0.49% | 0.50% | 0.86% | 0.64% | 0.75% | 0.70% | +20 bps | |
| Return on Equity | 6.52% | 7.19% | 5.14% | 5.32% | 9.49% | 7.19% | 8.42% | 7.96% | +263 bps | |
| Net Interest Margin | 2.72% | 2.80% | 2.93% | 3.05% | 3.10% | 2.70% | 2.90% | 3.05% | 0 bps | |
| Efficiency Ratio | 71.15% | 73.61% | 80.04% | 76.96% | 67.37% | 69.89% | 69.09% | 68.53% | -843 bps | |
| Non-Interest Burden | 1.84% | 1.99% | 2.29% | 2.28% | 2.00% | 1.80% | 1.92% | 2.00% | -28 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% | 0.02% | 0.21% | 0.00% | -0.17% | -0.01% | 0.00% | 0.00% | 0 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 | |