Superior, WI · Cert 28790
SI · FDIC · 1 branch
Q2 2026
Market Position · Duluth, MN-WI · 2026 SOD (annual) · 1.2% share · #14 of 26 inst. · $0.1B of $6.6B
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 | 0.71% | 0.74% | 0.48% | 0.61% | 0.55% | 0.64% | 0.97% | 0.85% | +24 bps | |
| Return on Equity | 3.97% | 4.16% | 2.59% | 3.27% | 3.00% | 3.53% | 5.50% | 4.89% | +162 bps | |
| Net Interest Margin | 3.42% | 3.52% | 3.41% | 3.55% | 3.51% | 3.29% | 3.72% | 3.54% | 0 bps | |
| Efficiency Ratio | 74.20% | 73.57% | 80.47% | 77.22% | 79.43% | 76.73% | 70.24% | 71.88% | -534 bps | |
| Non-Interest Burden | 2.42% | 2.46% | 2.65% | 2.64% | 2.70% | 2.43% | 2.35% | 2.37% | -27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.87% | -1.55% | -0.12% | -1.44% | 5.63% | 7.47% | 9.48% | 16.54% | +1,798 bps | |
| Loan Growth (YoY) | 12.62% | 11.71% | 8.47% | 8.01% | 4.42% | 7.96% | 8.55% | 9.75% | +173 bps | |
| Deposit Growth (YoY) | 0.02% | -5.40% | -3.78% | -2.96% | 6.29% | 11.40% | 13.87% | 19.48% | +2,244 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.24% | 1.44% | 1.25% | 1.05% | 1.21% | 1.35% | 1.07% | 1.15% | +10 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | 0.21% | 0.10% | 0.07% | 0.05% | 0.00% | 0.00% | -10 bps | |
| Allowance / Loans | 2.23% | 2.23% | 2.18% | 2.23% | 2.23% | 2.14% | 2.14% | 2.16% | -7 bps | |
| Allowance Coverage of NPLs | 1.8x | 1.6x | 1.7x | 2.1x | 1.8x | 1.6x | 2.0x | 1.9x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.97% | 17.20% | 17.90% | 17.85% | 17.44% | 16.20% | 17.02% | 16.30% | -156 bps | |
| Total Risk-Based Capital | 16.97% | 17.20% | 17.90% | 17.85% | 17.44% | 16.20% | 17.02% | 16.30% | -156 bps | |
| Equity / Assets | 18.19% | 18.14% | 18.59% | 18.99% | 17.82% | 17.49% | 17.71% | 17.02% | -197 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.57% | 108.48% | 112.47% | 111.32% | 102.73% | 105.12% | 107.21% | 102.26% | -907 bps | |
| Liquid Assets / Assets | 13.22% | 12.18% | 9.71% | 8.66% | 14.28% | 11.88% | 10.55% | 14.20% | +553 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 82.18% | 76.62% | 83.19% | n/a | n/a | |