Marshfield, WI · Cert 28530 · Forward Mutual Holding Co.
SI · FDIC · 15 branches
Q2 2026
Market Position · Wausau, WI · 2026 SOD (annual) · 1.7% share · #11 of 17 inst. · $0.1B of $5.4B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.89% | 0.95% | 0.94% | 0.92% | 0.90% | +1 bps | |
| Return on Equity | 10.32% | 10.86% | 10.69% | 9.93% | 9.68% | -63 bps | |
| Net Interest Margin | 3.72% | 3.76% | 3.78% | 4.02% | 3.98% | +26 bps | |
| Efficiency Ratio | 71.83% | 71.86% | 72.77% | 71.25% | 72.98% | +115 bps | |
| Non-Interest Burden | 2.40% | 2.43% | 2.49% | 2.61% | 2.64% | +23 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.06% | 1.97% | 5.28% | 9.25% | 14.09% | +1,003 bps | |
| Loan Growth (YoY) | 5.76% | 5.51% | 7.37% | 9.55% | 13.91% | +815 bps | |
| Deposit Growth (YoY) | 4.85% | 2.19% | 4.42% | 5.66% | 9.46% | +461 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.39% | 0.39% | 0.39% | 0.33% | 0.28% | -11 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.03% | 0.02% | 0.03% | 0.02% | -2 bps | |
| Allowance / Loans | 0.99% | 0.97% | 0.96% | 0.96% | 0.96% | -4 bps | |
| Allowance Coverage of NPLs | 2.5x | 2.5x | 2.5x | 2.9x | 3.4x | +0.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.73% | 8.82% | 8.63% | 9.36% | 9.18% | +45 bps | |
| Total Risk-Based Capital | 12.18% | 12.71% | 12.26% | 13.20% | 12.83% | +65 bps | |
| Equity / Assets | 8.88% | 9.17% | 8.91% | 9.63% | 9.25% | +37 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.77% | 87.40% | 86.98% | 89.12% | 91.34% | +357 bps | |
| Liquid Assets / Assets | 0.20% | 0.34% | 0.34% | 0.25% | 0.26% | +6 bps | |
| CRE / Total Capital | n/a | 210% | 223% | 204% | n/a | n/a | |