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 (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 | -0.49% | -0.74% | -0.70% | -0.35% | -4.68% | 0.09% | -0.39% | -0.38% | -3 bps | |
| Return on Equity | -10.42% | -13.62% | -13.42% | -6.84% | -100.38% | 2.11% | -8.70% | -7.74% | -90 bps | |
| Net Interest Margin | 1.21% | 1.37% | 1.39% | 1.61% | 1.69% | 1.83% | 1.74% | 1.83% | +22 bps | |
| Efficiency Ratio | 133.23% | 153.36% | 143.45% | 122.47% | 104.37% | 92.93% | 111.53% | 110.83% | -1,165 bps | |
| Non-Interest Burden | 1.90% | 2.36% | 2.21% | 2.09% | 1.82% | 1.66% | 2.05% | 2.13% | +4 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 | 0.00% | 0.01% | 0.00% | 0.00% | 0.12% | 0.01% | 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 | |