Chippewa Falls, WI · Cert 2468 · NW Bancshares Inc.
State charter, Fed member · FED · 7 branches
Q2 2026
Market Position · Eau Claire, WI · 2026 SOD (annual) · 13.8% share · #1 of 22 inst. · $0.5B of $3.7B
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 | 1.21% | 1.26% | 1.54% | 1.59% | 1.62% | 1.60% | 2.96% | 2.40% | +80 bps | |
| Return on Equity | 15.48% | 16.03% | 18.24% | 18.36% | 18.21% | 17.76% | 29.58% | 23.66% | +530 bps | |
| Net Interest Margin | 3.06% | 3.10% | 3.40% | 3.52% | 3.60% | 3.68% | 3.82% | 3.89% | +36 bps | |
| Efficiency Ratio | 53.76% | 53.20% | 47.35% | 46.96% | 47.31% | 48.65% | 43.24% | 44.73% | -224 bps | |
| Non-Interest Burden | 1.54% | 1.54% | 1.48% | 1.52% | 1.57% | 1.65% | 1.48% | 1.57% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.00% | 5.85% | 3.91% | -2.19% | -0.01% | -0.77% | 3.52% | 3.68% | +587 bps | |
| Loan Growth (YoY) | 19.36% | 8.59% | 7.26% | 2.40% | -2.99% | -1.09% | -0.02% | 4.14% | +174 bps | |
| Deposit Growth (YoY) | -3.79% | -5.20% | -3.66% | -1.40% | 7.44% | 5.77% | 10.86% | 7.27% | +867 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.08% | 0.00% | 0.00% | 0.03% | +3 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.03% | -0.01% | -0.01% | -0.01% | -0.03% | -0.02% | -0.02% | -1 bps | |
| Allowance / Loans | 1.94% | 1.94% | 1.91% | 1.92% | 2.01% | 1.97% | 1.92% | 1.85% | -7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 26.1x | n/a | n/a | 69.6x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.60% | 9.59% | 10.06% | 10.30% | 10.59% | 10.68% | 11.10% | 11.22% | +91 bps | |
| Total Risk-Based Capital | 12.56% | 12.66% | 12.95% | 13.11% | 15.06% | 13.91% | 14.25% | 11.22% | -189 bps | |
| Equity / Assets | 8.28% | 8.07% | 8.87% | 9.07% | 9.46% | 9.65% | 10.37% | 10.36% | +129 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.74% | 105.08% | 110.67% | 107.18% | 95.47% | 98.26% | 99.81% | 104.06% | -313 bps | |
| Liquid Assets / Assets | 2.77% | 3.79% | 0.09% | 1.56% | 7.13% | 6.04% | 3.36% | 2.10% | +53 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 395% | 394% | 369% | n/a | n/a | |