Fond Du Lac, WI · Cert 29188 · FVSB Mutual Bcorp MHC
SI · FDIC · 3 branches
Q2 2026
Market Position · Fond du Lac, WI · 2026 SOD (annual) · 6.7% share · #5 of 11 inst. · $0.2B of $2.9B
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 | -0.07% | -0.09% | -0.02% | 0.08% | 0.22% | 0.24% | 0.03% | 0.32% | +24 bps | |
| Return on Equity | -0.53% | -0.71% | -0.18% | 0.62% | 1.63% | 1.77% | 0.20% | 2.31% | +170 bps | |
| Net Interest Margin | 1.84% | 1.99% | 1.98% | 2.13% | 2.20% | 2.37% | 2.36% | 2.48% | +35 bps | |
| Efficiency Ratio | 110.17% | 107.94% | 109.50% | 100.97% | 93.82% | 92.91% | 97.09% | 91.01% | -996 bps | |
| Non-Interest Burden | 2.09% | 2.19% | 2.21% | 2.15% | 2.02% | 2.15% | 2.26% | 2.20% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.06% | 1.23% | 1.53% | 0.89% | 1.36% | 2.70% | 2.85% | 2.87% | +197 bps | |
| Loan Growth (YoY) | 0.35% | -1.23% | 2.49% | 4.49% | 11.87% | 15.11% | 9.84% | 11.41% | +693 bps | |
| Deposit Growth (YoY) | 1.38% | 4.34% | 3.48% | 1.40% | 2.24% | 1.54% | -0.19% | -1.06% | -246 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.38% | 0.40% | 0.41% | 0.35% | 0.33% | 0.30% | 0.33% | 0.33% | -2 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.06% | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.40% | 1.22% | 1.18% | 1.14% | 1.09% | 1.07% | 1.07% | 1.02% | -12 bps | |
| Allowance Coverage of NPLs | 3.6x | 3.1x | 2.9x | 3.3x | 3.3x | 3.6x | 3.3x | 3.1x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.37% | 16.14% | 16.05% | 16.14% | 15.96% | 15.70% | 15.34% | 15.44% | -70 bps | |
| Total Risk-Based Capital | 16.37% | 16.14% | 16.05% | 16.14% | 15.96% | 15.70% | 15.34% | 15.44% | -70 bps | |
| Equity / Assets | 13.59% | 13.04% | 13.28% | 13.42% | 13.64% | 13.88% | 13.87% | 13.95% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.98% | 71.48% | 74.49% | 76.83% | 79.86% | 81.03% | 81.97% | 86.51% | +969 bps | |
| Liquid Assets / Assets | 4.02% | 1.06% | 0.41% | 0.68% | 0.32% | 0.41% | 2.27% | 0.46% | -22 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 170.22% | 181.97% | 176.94% | n/a | n/a | |