Ladysmith, WI · Cert 28983
State savings bank · OCC · 1 branch
Q2 2026
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 | 0.55% | 0.49% | 0.55% | 0.69% | 0.57% | +2 bps | |
| Return on Equity | 7.60% | 6.66% | 7.38% | 8.57% | 7.05% | -54 bps | |
| Net Interest Margin | 2.94% | 2.96% | 2.98% | 3.36% | 3.29% | +35 bps | |
| Efficiency Ratio | 79.89% | 81.40% | 76.62% | 74.40% | 79.15% | -74 bps | |
| Non-Interest Burden | 2.25% | 2.36% | 2.18% | 2.35% | 2.52% | +27 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.65% | 4.31% | 5.14% | 2.32% | 4.39% | +504 bps | |
| Loan Growth (YoY) | 4.62% | 5.10% | 6.78% | 6.03% | 5.75% | +113 bps | |
| Deposit Growth (YoY) | 2.73% | 6.45% | 7.98% | 7.72% | 6.17% | +344 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.40% | 1.39% | 1.76% | 2.08% | 2.03% | +64 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.02% | 0.02% | 0.18% | 0.09% | +5 bps | |
| Allowance / Loans | 0.80% | 0.78% | 0.80% | 0.82% | 0.81% | +1 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.5x | 0.4x | 0.4x | -0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.14% | 9.10% | 9.11% | 9.17% | 9.18% | +3 bps | |
| Total Risk-Based Capital | 17.04% | 16.72% | 16.79% | 9.17% | 9.18% | -787 bps | |
| Equity / Assets | 7.48% | 7.71% | 7.85% | 8.22% | 8.17% | +69 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 101.12% | 103.47% | 101.80% | 101.96% | 100.72% | -40 bps | |
| Liquid Assets / Assets | 1.40% | 0.00% | 0.00% | 0.00% | 0.00% | -140 bps | |
| CRE / Total Capital | n/a | 81.52% | 80.70% | 83.38% | n/a | n/a | |