Badger Bank
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
$206.0MAssets
$140.5MLoans
$164.6MDeposits
$22.9MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in WI (rank 37 of 110).
- Widest gap: total risk-based capital ratio trails 66% of banks under $1B in assets in WI (rank 75 of 113).
- Overall: at or above the peer median on 7 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $3.9M · efficiency ratio beats 56% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |