Waukesha, WI · Cert 28400 · Westbury Bcorp Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Milwaukee-Waukesha, WI · 2026 SOD (annual) · 0.9% share · #17 of 43 inst. · $0.7B of $79.9B
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 | 0.97% | 0.99% | 0.98% | 1.02% | 1.00% | 0.94% | 0.72% | 0.80% | -22 bps | |
| Return on Equity | 10.69% | 10.91% | 10.34% | 11.01% | 10.95% | 10.59% | 8.79% | 9.68% | -132 bps | |
| Net Interest Margin | 3.33% | 3.35% | 3.51% | 3.60% | 3.63% | 3.76% | 3.80% | 3.86% | +26 bps | |
| Efficiency Ratio | 67.65% | 67.20% | 70.48% | 69.66% | 70.50% | 72.77% | 81.10% | 78.61% | +895 bps | |
| Non-Interest Burden | 2.08% | 2.07% | 2.33% | 2.35% | 2.40% | 2.58% | 2.94% | 2.89% | +54 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.66% | -4.30% | -2.67% | -1.38% | -2.22% | -3.06% | -5.28% | -4.25% | -286 bps | |
| Loan Growth (YoY) | -7.87% | -9.84% | -12.53% | -9.39% | -12.00% | -10.69% | -12.47% | -5.50% | +389 bps | |
| Deposit Growth (YoY) | 0.61% | 0.90% | 1.18% | -1.16% | -1.57% | -1.90% | -4.00% | -3.72% | -257 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.52% | 0.02% | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.05% | 0.00% | 0.03% | 0.02% | 0.01% | -0.01% | 0.03% | -1 bps | |
| Allowance / Loans | 0.98% | 0.99% | 1.01% | 1.03% | 1.09% | 1.09% | 1.14% | 1.08% | +5 bps | |
| Allowance Coverage of NPLs | 1.9x | 54.4x | 54.4x | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.53% | 10.41% | 10.62% | 9.84% | 9.65% | 8.97% | 9.23% | 9.20% | -63 bps | |
| Total Risk-Based Capital | 14.63% | 14.98% | 15.42% | 13.51% | 13.78% | 12.65% | 13.42% | 12.80% | -71 bps | |
| Equity / Assets | 9.54% | 9.36% | 9.54% | 8.83% | 8.73% | 8.05% | 8.33% | 8.35% | -48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.31% | 84.22% | 81.85% | 80.19% | 76.27% | 76.67% | 74.62% | 78.71% | -148 bps | |
| Liquid Assets / Assets | 5.57% | 6.60% | 9.39% | 9.92% | 13.88% | 11.87% | 14.82% | 10.87% | +95 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 455% | 481% | 457% | n/a | n/a | |