Deerfield, WI · Cert 2477 · Deerfield Financial Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Madison, WI · 2026 SOD (annual) · 0.8% share · #27 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 | 1.16% | 1.25% | 1.23% | 1.32% | 1.32% | 1.30% | 1.29% | 1.22% | -10 bps | |
| Return on Equity | 11.35% | 12.25% | 11.99% | 12.81% | 12.80% | 12.66% | 12.52% | 11.82% | -99 bps | |
| Net Interest Margin | 3.59% | 3.56% | 3.73% | 3.96% | 3.82% | 3.72% | 3.82% | 3.82% | -14 bps | |
| Efficiency Ratio | 60.72% | 58.75% | 60.03% | 59.64% | 59.99% | 60.31% | 59.40% | 61.35% | +171 bps | |
| Non-Interest Burden | 2.01% | 1.90% | 2.09% | 2.21% | 2.14% | 2.10% | 2.09% | 2.19% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.25% | 4.13% | 4.45% | 5.48% | 10.40% | 11.99% | 11.70% | 12.48% | +701 bps | |
| Loan Growth (YoY) | 4.64% | 1.70% | 1.01% | 1.48% | 7.80% | 12.97% | 13.12% | 10.68% | +919 bps | |
| Deposit Growth (YoY) | 6.79% | 4.32% | 4.37% | 5.78% | 10.99% | 12.97% | 12.54% | 13.64% | +787 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.44% | 0.44% | 0.30% | 0.13% | 0.12% | 0.12% | 0.12% | 0.13% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | -0.23% | -0.13% | -0.09% | 0.00% | 0.00% | +23 bps | |
| Allowance / Loans | 1.13% | 1.18% | 1.20% | 1.32% | 1.22% | 1.22% | 1.24% | 1.27% | -5 bps | |
| Allowance Coverage of NPLs | 2.5x | 2.7x | 4.1x | 10.0x | 10.5x | 10.3x | 10.0x | 9.7x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.51% | 10.14% | 10.51% | 10.68% | 10.52% | 10.23% | 10.43% | 10.49% | -19 bps | |
| Total Risk-Based Capital | 14.25% | 13.78% | 14.42% | 13.47% | 13.91% | 13.71% | 14.18% | 14.20% | +73 bps | |
| Equity / Assets | 10.48% | 10.13% | 10.34% | 10.51% | 10.20% | 10.16% | 10.39% | 10.38% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 108.66% | 104.50% | 104.61% | 104.22% | 105.53% | 104.50% | 105.15% | 101.50% | -272 bps | |
| Liquid Assets / Assets | 0.88% | 0.45% | 0.47% | 0.51% | 0.37% | 0.37% | 0.72% | 0.32% | -19 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 298% | 309% | 287% | n/a | n/a | |