Wauwatosa, WI · Cert 28614 · Teb MHC
SI · FDIC · 6 branches
Q2 2026
Market Position · Milwaukee-Waukesha, WI · 2026 SOD (annual) · 0.3% share · #28 of 43 inst. · $0.2B 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 | -0.59% | -0.53% | -0.75% | -0.45% | -0.29% | -0.14% | 0.45% | 0.31% | +76 bps | |
| Return on Equity | -7.02% | -6.29% | -8.69% | -5.21% | -3.37% | -1.60% | 5.11% | 3.43% | +864 bps | |
| Net Interest Margin | 2.22% | 2.29% | 2.39% | 2.59% | 2.63% | 2.66% | 2.84% | 2.97% | +39 bps | |
| Efficiency Ratio | 123.51% | 120.07% | 125.87% | 114.21% | 109.02% | 104.16% | 104.47% | 99.90% | -1,431 bps | |
| Non-Interest Burden | 2.90% | 2.88% | 3.15% | 3.04% | 2.93% | 2.81% | 3.00% | 2.99% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.93% | -7.65% | -6.38% | -3.63% | -2.23% | 3.62% | 2.99% | 0.69% | +432 bps | |
| Loan Growth (YoY) | -3.31% | -6.64% | -6.18% | -3.01% | -0.69% | 4.40% | 3.10% | 0.66% | +366 bps | |
| Deposit Growth (YoY) | -6.58% | -8.44% | -8.68% | -4.98% | -3.56% | -1.10% | 5.13% | -0.80% | +417 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.11% | 0.16% | 0.25% | 0.14% | 0.33% | 0.09% | 0.10% | 0.05% | -9 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.04% | 0.03% | 0.02% | 0.00% | 0.00% | -4 bps | |
| Allowance / Loans | 0.92% | 0.96% | 0.96% | 0.92% | 0.90% | 0.90% | 0.73% | 0.74% | -18 bps | |
| Allowance Coverage of NPLs | 8.1x | 5.9x | 3.9x | 6.4x | 2.8x | 10.4x | 7.2x | 15.1x | +8.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.56% | 9.56% | 9.68% | 9.67% | 9.49% | 9.36% | 9.51% | 9.70% | +3 bps | |
| Total Risk-Based Capital | 9.56% | 9.56% | 9.68% | 9.67% | 9.49% | 9.36% | 9.51% | 9.70% | +3 bps | |
| Equity / Assets | 8.69% | 8.64% | 8.69% | 8.57% | 8.67% | 8.68% | 8.87% | 9.36% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.79% | 96.03% | 98.89% | 97.50% | 100.70% | 101.36% | 96.98% | 98.93% | +144 bps | |
| Liquid Assets / Assets | 0.41% | 0.73% | 0.02% | 0.21% | 0.00% | 0.19% | 0.28% | 0.65% | +45 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 455% | 459% | 449% | n/a | n/a | |