Fort Atkinson, WI · Cert 2469 · Citizens Finl Employee STK Ownership PLAN&TR
State charter, non-member · FDIC · 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
44
Asset Quality
82
Profitability
61
Liquidity
96
Efficiency
56
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.
Fort Atkinson, WI · Cert 2469 · Citizens Finl Employee STK Ownership PLAN&TR
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Madison, WI · 2026 SOD (annual) · 0.2% share · #37 of 41 inst. · $0.1B 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% | 0.93% | 1.27% | 1.21% | 1.26% | 1.32% | 1.28% | 1.37% | +16 bps | |
| Return on Equity | 8.52% | 9.61% | 12.82% | 11.91% | 12.23% | 12.76% | 12.11% | 12.74% | +84 bps | |
| Net Interest Margin | 2.67% | 2.81% | 3.20% | 3.24% | 3.29% | 3.28% | 3.33% | 3.61% | +37 bps | |
| Efficiency Ratio | 74.13% | 71.55% | 60.63% | 62.43% | 61.64% | 62.67% | 61.07% | 60.70% | -173 bps | |
| Non-Interest Burden | 1.79% | 1.80% | 1.58% | 1.71% | 1.72% | 1.77% | 1.73% | 1.87% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.54% | -1.75% | -0.71% | 0.69% | 2.60% | 3.76% | 5.63% | 4.47% | +378 bps | |
| Loan Growth (YoY) | 4.31% | -0.44% | 0.16% | 1.22% | 5.32% | 5.05% | 8.63% | 5.82% | +460 bps | |
| Deposit Growth (YoY) | 4.65% | 4.79% | 3.18% | 4.09% | 4.18% | 2.20% | 3.13% | -0.80% | -489 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.96% | 0.43% | 0.05% | 0.12% | 0.12% | 0.11% | 2.26% | 0.07% | -4 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.06% | 0.03% | 0.02% | 0.02% | 0.00% | 0.00% | -3 bps | |
| Allowance / Loans | 1.13% | 1.13% | 1.13% | 1.11% | 1.09% | 1.08% | 1.04% | 1.07% | -4 bps | |
| Allowance Coverage of NPLs | 1.2x | 2.6x | 21.2x | 9.4x | 9.2x | 9.6x | 0.5x | 14.5x | +5.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.16% | 11.84% | 12.26% | 12.40% | 12.37% | 11.76% | 11.97% | 12.40% | +1 bps | |
| Total Risk-Based Capital | 12.16% | 11.84% | 12.26% | 12.40% | 12.37% | 11.76% | 11.97% | 12.40% | +1 bps | |
| Equity / Assets | 10.33% | 9.61% | 10.25% | 10.64% | 10.80% | 10.49% | 10.66% | 11.12% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.42% | 77.10% | 77.95% | 79.98% | 80.29% | 79.26% | 82.11% | 85.33% | +534 bps | |
| Liquid Assets / Assets | 4.53% | 3.78% | 3.49% | 2.42% | 4.35% | 4.23% | 3.12% | 1.75% | -67 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 226% | 234% | 243% | n/a | n/a | |
Fort Atkinson, WI · Cert 2469 · Peer group: banks under $1B in assets in WI (n=110-113) · Citizens Finl Employee STK Ownership PLAN&TR
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
1.38%
Rank 35 of 113
Net Interest Margin
3.61%
Rank 55 of 113
Efficiency Ratio
60.70%
Rank 51 of 113
Equity / Assets
11.12%
Rank 48 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.38% | 0.85% | 1.17% | 1.51% | Beats 69% | 35 / 113 | ||
| Return on Equity | 12.43% | 7.70% | 10.77% | 13.67% | Beats 64% | 41 / 113 | ||
| Net Interest Margin | 3.61% | 3.19% | 3.59% | 3.89% | Beats 51% | 55 / 113 | ||
| Efficiency Ratio | 60.70% | 54.61% | 62.43% | 71.88% | Beats 56% | 51 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.07% | 0.03% | 0.24% | 0.91% | Beats 64% | 41 / 110 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 100% | 37 / 110 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.40% | 11.22% | 12.95% | 15.76% | Beats 41% | 67 / 113 | ||
| Total Risk-Based Capital Ratio | 12.40% | 11.57% | 13.59% | 16.73% | Beats 34% | 75 / 113 | ||
| Equity / Assets | 11.12% | 9.17% | 10.74% | 13.13% | Beats 58% | 48 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 85.33% | 76.54% | 86.37% | 98.93% | 46th pctl | 60 / 112 | ||
| Loans / Assets | 68.18% | 63.07% | 71.33% | 78.84% | 42nd pctl | 65 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||