Kaukauna, WI · Cert 30313 · Ewsb Bcorp Inc.
SI · FDIC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in WI (n=110 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
22
Asset Quality
41
Profitability
1
Liquidity
85
Efficiency
2
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Kaukauna, WI · Cert 30313 · Ewsb Bcorp Inc.
SI · FDIC · 4 branches
Q2 2026
Market Position · Appleton, WI · 2026 SOD (annual) · 4.4% share · #9 of 23 inst. · $0.2B of $5.1B
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 | -0.58% | -0.62% | -0.70% | -0.52% | -1.93% | -1.43% | -0.39% | -0.39% | +14 bps | |
| Return on Equity | -13.28% | -13.63% | -13.42% | -10.11% | -39.07% | -29.55% | -8.70% | -8.08% | +204 bps | |
| Net Interest Margin | 1.23% | 1.26% | 1.39% | 1.48% | 1.53% | 1.62% | 1.74% | 1.79% | +31 bps | |
| Efficiency Ratio | 138.27% | 141.99% | 143.45% | 132.20% | 121.86% | 113.01% | 111.53% | 111.18% | -2,102 bps | |
| Non-Interest Burden | 1.98% | 2.07% | 2.21% | 2.13% | 2.01% | 1.95% | 2.05% | 2.10% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.59% | 4.10% | 3.84% | 6.52% | 4.06% | -0.89% | -5.02% | -6.59% | -1,311 bps | |
| Loan Growth (YoY) | 3.53% | 6.91% | 8.22% | 9.14% | 8.44% | 1.65% | -2.55% | -5.27% | -1,441 bps | |
| Deposit Growth (YoY) | -3.65% | 0.37% | 0.35% | -0.46% | -2.27% | -6.25% | -5.58% | 1.10% | +155 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.01% | 0.01% | 0.03% | 0.01% | 0.16% | 0.01% | 0.06% | +3 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.00% | 0.04% | 0.03% | 0.06% | 0.06% | +6 bps | |
| Allowance / Loans | 0.61% | 0.60% | 0.62% | 0.61% | 0.58% | 0.60% | 0.63% | 0.63% | +3 bps | |
| Allowance Coverage of NPLs | 42.8x | 86.6x | 108.2x | 19.6x | 44.2x | 3.8x | 44.8x | 10.1x | -9.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.39% | 6.92% | 6.56% | 6.35% | 6.01% | 6.12% | 6.33% | 7.13% | +78 bps | |
| Total Risk-Based Capital | 13.45% | 12.52% | 11.84% | 11.40% | 11.15% | 11.58% | 11.52% | 12.63% | +122 bps | |
| Equity / Assets | 5.62% | 5.25% | 5.20% | 5.13% | 4.19% | 4.48% | 4.56% | 5.33% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.74% | 80.71% | 82.07% | 88.25% | 89.59% | 87.51% | 84.70% | 82.69% | -556 bps | |
| Liquid Assets / Assets | 16.36% | 15.95% | 15.83% | 15.51% | 15.35% | 15.14% | 14.63% | 13.71% | -180 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 108.02% | 86.85% | 88.35% | n/a | n/a | |
Kaukauna, WI · Cert 30313 · Peer group: banks under $1B in assets in WI (n=110-113) · Ewsb Bcorp Inc.
SI · FDIC · 4 branches
Q2 2026
Return on Assets
-0.39%
Rank 111 of 113
Net Interest Margin
1.79%
Rank 113 of 113
Efficiency Ratio
112.68%
Rank 112 of 113
Equity / Assets
5.33%
Rank 113 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.39% | 0.85% | 1.17% | 1.51% | Beats 2% | 111 / 113 | ||
| Return on Equity | -7.27% | 7.70% | 10.77% | 13.67% | Beats 1% | 112 / 113 | ||
| Net Interest Margin | 1.79% | 3.19% | 3.59% | 3.89% | Beats 0% | 113 / 113 | ||
| Efficiency Ratio | 112.68% | 54.61% | 62.43% | 71.88% | Beats 2% | 112 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.06% | 0.03% | 0.24% | 0.91% | Beats 67% | 37 / 110 | ||
| Net Charge-Offs / Loans | 0.03% | n/a | 0.00% | 0.01% | Beats 15% | 95 / 110 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.80% | 11.22% | 12.95% | 15.76% | Beats 32% | 77 / 113 | ||
| Total Risk-Based Capital Ratio | 12.63% | 11.57% | 13.59% | 16.73% | Beats 35% | 73 / 113 | ||
| Equity / Assets | 5.33% | 9.17% | 10.74% | 13.13% | Beats 0% | 113 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.69% | 76.54% | 86.37% | 98.93% | 41st pctl | 66 / 112 | ||
| Loans / Assets | 70.39% | 63.07% | 71.33% | 78.84% | 46th pctl | 61 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||