Medford, WI · Cert 29294 · Prevail Mutual Holdings Inc.
State savings bank · OCC · 9 branches
Q2 2026
Market Position · Wausau, WI · 2026 SOD (annual) · 0.7% share · #14 of 17 inst. · $0.0B of $5.4B
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 | 0.01% | 0.06% | 0.07% | 0.17% | 0.27% | 0.36% | 0.26% | 0.45% | +28 bps | |
| Return on Equity | 0.05% | 0.48% | 0.54% | 1.31% | 2.04% | 2.70% | 1.93% | 3.36% | +205 bps | |
| Net Interest Margin | 1.75% | 1.80% | 1.97% | 2.04% | 2.16% | 2.23% | 2.49% | 2.57% | +52 bps | |
| Efficiency Ratio | 96.63% | 94.32% | 95.18% | 88.95% | 83.05% | 79.38% | 87.74% | 79.68% | -926 bps | |
| Non-Interest Burden | 1.66% | 1.65% | 1.83% | 1.76% | 1.72% | 1.69% | 2.12% | 1.96% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.61% | 0.65% | 2.17% | 2.18% | 2.85% | 1.55% | 4.22% | 5.55% | +337 bps | |
| Loan Growth (YoY) | 7.66% | 1.82% | 6.55% | 8.95% | 7.14% | 7.73% | 8.21% | 4.34% | -462 bps | |
| Deposit Growth (YoY) | -1.08% | 3.36% | 10.70% | 7.44% | 4.63% | 0.63% | 0.38% | 5.50% | -193 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.13% | 0.12% | 0.23% | 0.20% | 0.16% | 0.16% | 0.15% | 0.20% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.03% | 1.06% | 1.07% | 1.08% | 1.12% | 1.16% | 1.15% | 1.19% | +11 bps | |
| Allowance Coverage of NPLs | 7.9x | 8.9x | 4.7x | 5.3x | 6.9x | 7.2x | 7.8x | 5.9x | +0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.87% | 12.87% | 12.86% | 12.69% | 12.71% | 12.82% | 12.63% | 12.60% | -10 bps | |
| Total Risk-Based Capital | 20.45% | 20.06% | 12.86% | 12.69% | 12.71% | 12.82% | 12.63% | 12.60% | -10 bps | |
| Equity / Assets | 13.40% | 12.95% | 12.95% | 13.08% | 13.42% | 13.73% | 13.19% | 13.26% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.82% | 91.10% | 92.05% | 95.50% | 97.10% | 97.54% | 99.23% | 94.44% | -106 bps | |
| Liquid Assets / Assets | 0.67% | 2.69% | 1.60% | 0.36% | 0.65% | 0.35% | 0.58% | 2.90% | +254 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 298% | 304% | 331% | n/a | n/a | |