PackageTrendsPeer
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Keysavings Bank

Wisconsin Rapids, WI · Cert 29691

SI · FDIC · 2 branches

Q2 2026

$129.5MAssets
$79.0MLoans
$99.7MDeposits
$9.5MEquity
Loan mix
95%RE $74.9M0%C&I $0.2M4%Consumer $3.4MQ3 2024Q2 2026
Deposit mix
100%Interest-bearing $99.7M0%Noninterest $0.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.74%, up 22 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 0.07% of loans (+7 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 9.38%, up 10 bps from a year ago.
  • Funding: loans stand at 79.25% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

0.74%+22 bps YoY

Net Interest Margin (quarter, annualized)

3.41%+56 bps YoY

Efficiency Ratio (quarter, annualized)

62.75%-1,793 bps YoY

Tier 1 Leverage Ratio

9.38%+10 bps YoY

NIM

4.71%Q2 ’245.39%Q2 ’255.76%Q2 ’26+18%+20%

Non-interest income vs. expense

2.69%Q2 ’242.61%Q2 ’252.40%Q2 ’26-6%-10%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.01%0.36%0.14%0.52%0.63%0.31%0.36%0.74%+22 bps
Return on Equity-0.09%4.80%1.97%7.28%8.49%4.02%4.76%9.94%+266 bps
Net Interest Margin2.54%2.55%2.79%2.85%2.99%2.93%3.00%3.41%+56 bps
Efficiency Ratio98.27%77.11%92.34%80.68%76.46%88.43%80.21%62.75%-1,793 bps
Non-Interest Burden2.49%1.85%2.56%2.22%2.17%2.54%2.34%1.99%-23 bps
Growth
Asset Growth (YoY)26.39%19.67%17.39%15.42%11.07%10.19%5.07%2.88%-1,254 bps
Loan Growth (YoY)25.61%19.88%21.17%22.52%21.07%20.47%14.17%5.50%-1,703 bps
Deposit Growth (YoY)20.84%21.95%18.37%18.50%14.50%9.71%4.14%3.81%-1,469 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.01%0.90%0.19%0.07%+7 bps
Net Charge-Offs / Loans0.00%0.17%0.00%0.00%0.00%0.00%0.42%0.02%+2 bps
Allowance / Loans0.20%0.30%0.31%0.30%0.35%0.37%0.31%0.54%+24 bps
Allowance Coverage of NPLsn/an/an/a224.0x32.9x0.4x1.7x7.4x-216.6x
Capital
Tier 1 Leverage Ratio10.44%9.74%9.83%9.29%9.38%9.23%9.16%9.38%+10 bps
Total Risk-Based Capital10.44%9.74%9.83%9.29%9.38%9.23%9.16%9.38%+10 bps
Equity / Assets7.96%6.88%7.16%7.08%7.75%7.79%7.49%7.37%+29 bps
Liquidity & Funding
Loans / Deposits72.35%72.74%75.15%77.99%76.50%79.87%82.39%79.25%+127 bps
Liquid Assets / Assets2.26%2.98%3.01%2.37%2.28%3.12%2.19%3.80%+142 bps
CRE / Total Capitaln/an/an/an/a101.90%121.90%148.40%n/an/a