Wisconsin Rapids, WI · Cert 29691
SI · FDIC · 2 branches
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 | 0.33% | 0.44% | 0.40% | 0.36% | 0.55% | +22 bps | |
| Return on Equity | 4.72% | 6.03% | 5.50% | 4.76% | 7.30% | +258 bps | |
| Net Interest Margin | 2.72% | 2.80% | 2.78% | 3.00% | 3.18% | +45 bps | |
| Efficiency Ratio | 86.08% | 82.55% | 84.14% | 80.21% | 70.80% | -1,528 bps | |
| Non-Interest Burden | 2.31% | 2.25% | 2.28% | 2.34% | 2.14% | -16 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.42% | 11.07% | 10.19% | 5.07% | 2.88% | -1,254 bps | |
| Loan Growth (YoY) | 22.52% | 21.07% | 20.47% | 14.17% | 5.50% | -1,703 bps | |
| Deposit Growth (YoY) | 18.50% | 14.50% | 9.71% | 4.14% | 3.81% | -1,469 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.90% | 0.19% | 0.07% | +7 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.42% | 0.22% | +22 bps | |
| Allowance / Loans | 0.30% | 0.35% | 0.37% | 0.31% | 0.54% | +24 bps | |
| Allowance Coverage of NPLs | 224.0x | 32.9x | 0.4x | 1.7x | 7.4x | -216.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.29% | 9.38% | 9.23% | 9.16% | 9.38% | +10 bps | |
| Total Risk-Based Capital | 9.29% | 9.38% | 9.23% | 9.16% | 9.38% | +10 bps | |
| Equity / Assets | 7.08% | 7.75% | 7.79% | 7.49% | 7.37% | +29 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.99% | 76.50% | 79.87% | 82.39% | 79.25% | +127 bps | |
| Liquid Assets / Assets | 2.37% | 2.28% | 3.12% | 2.19% | 3.80% | +142 bps | |
| CRE / Total Capital | n/a | 101.90% | 121.90% | 148.40% | n/a | n/a | |