Greenfield, WI · Cert 29120 · 1895 Bcorp of Wisconsin Inc.
State savings bank · OCC · 6 branches
Q2 2026
Market Position · Milwaukee-Waukesha, WI · 2026 SOD (annual) · 0.5% share · #22 of 43 inst. · $0.4B of $79.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.11% | 0.28% | 0.31% | 0.49% | 0.55% | 0.62% | 0.48% | 0.39% | -9 bps | |
| Return on Equity | 1.05% | 2.68% | 2.99% | 4.73% | 5.33% | 5.84% | 4.41% | 3.60% | -113 bps | |
| Net Interest Margin | 2.11% | 2.38% | 2.42% | 2.49% | 2.62% | 2.59% | 2.53% | 2.66% | +17 bps | |
| Efficiency Ratio | 97.61% | 86.46% | 84.23% | 81.54% | 75.28% | 76.68% | 81.04% | 79.68% | -186 bps | |
| Non-Interest Burden | 2.04% | 1.99% | 1.97% | 1.94% | 1.86% | 1.88% | 1.96% | 2.04% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.69% | 2.67% | 4.24% | 8.92% | 9.34% | 4.70% | 1.53% | -3.41% | -1,233 bps | |
| Loan Growth (YoY) | 4.00% | 5.02% | 8.97% | 11.12% | 11.64% | 6.12% | -0.32% | -6.77% | -1,789 bps | |
| Deposit Growth (YoY) | 0.58% | -1.86% | -3.09% | 1.71% | 2.79% | -0.17% | 1.26% | -3.17% | -487 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.23% | 0.40% | 0.36% | 0.32% | 0.30% | 0.28% | 0.29% | 0.25% | -7 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | -0.03% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.99% | 1.03% | 1.04% | 1.06% | 1.09% | 1.11% | 1.10% | 1.07% | 0 bps | |
| Allowance Coverage of NPLs | 4.3x | 2.6x | 2.9x | 3.4x | 3.6x | 3.9x | 3.8x | 4.3x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.20% | 11.11% | 10.98% | 10.83% | 10.63% | 10.80% | 11.31% | 11.22% | +39 bps | |
| Total Risk-Based Capital | 16.04% | 15.69% | 15.28% | 14.63% | 14.86% | 15.29% | 15.82% | 16.09% | +146 bps | |
| Equity / Assets | 10.81% | 10.37% | 10.40% | 10.13% | 10.33% | 10.84% | 10.94% | 10.95% | +82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.79% | 103.40% | 109.02% | 107.06% | 106.21% | 109.91% | 107.32% | 103.08% | -399 bps | |
| Liquid Assets / Assets | 3.08% | 0.75% | 0.90% | 2.07% | 2.84% | 2.21% | 4.61% | 6.80% | +473 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 422% | 415% | 387% | n/a | n/a | |