Waukesha, WI · Cert 30422 · FFBW Inc.
State savings bank · OCC · 5 branches
Q2 2026
Market Position · Milwaukee-Waukesha, WI · 2026 SOD (annual) · 0.3% share · #29 of 43 inst. · $0.2B of $79.9B
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 | 1.00% | 0.85% | 0.78% | 0.86% | 0.94% | 1.34% | 0.94% | 1.03% | +17 bps | |
| Return on Equity | 4.52% | 3.69% | 3.31% | 3.67% | 4.11% | 6.05% | 4.18% | 4.65% | +98 bps | |
| Net Interest Margin | 3.51% | 3.73% | 3.74% | 3.93% | 4.00% | 4.24% | 4.12% | 4.41% | +48 bps | |
| Efficiency Ratio | 71.76% | 74.86% | 77.79% | 76.13% | 77.32% | 65.86% | 75.67% | 74.20% | -193 bps | |
| Non-Interest Burden | 2.42% | 2.68% | 2.84% | 2.91% | 3.01% | 2.64% | 3.03% | 3.18% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.25% | -9.50% | -9.65% | -10.70% | -8.06% | -4.09% | -5.33% | 4.21% | +1,491 bps | |
| Loan Growth (YoY) | -11.68% | -9.78% | -12.19% | -11.28% | -4.72% | -3.68% | -6.01% | 4.93% | +1,621 bps | |
| Deposit Growth (YoY) | -9.43% | -13.84% | -11.32% | -12.00% | -6.37% | -2.18% | -4.15% | 0.78% | +1,278 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 0.07% | 0.07% | 0.00% | 0.02% | 0.02% | 0.02% | 0.02% | +2 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.04% | 0.00% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.31% | 1.20% | 1.20% | 1.27% | 1.25% | 1.23% | 1.30% | 1.29% | +2 bps | |
| Allowance Coverage of NPLs | 31.5x | 16.5x | 16.8x | n/a | 73.5x | 74.8x | 79.8x | 86.0x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 22.14% | 22.93% | 23.80% | 23.08% | 22.18% | 22.40% | 22.14% | 22.54% | -54 bps | |
| Total Risk-Based Capital | 27.79% | 28.03% | 28.29% | 27.94% | 25.64% | 26.32% | 27.06% | 26.59% | -136 bps | |
| Equity / Assets | 22.65% | 23.66% | 23.39% | 23.58% | 22.02% | 22.42% | 22.35% | 22.09% | -150 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.00% | 106.12% | 103.54% | 105.33% | 103.81% | 104.50% | 101.54% | 109.66% | +433 bps | |
| Liquid Assets / Assets | 2.90% | 1.18% | 1.93% | 0.63% | 0.66% | 0.96% | 3.79% | 2.68% | +205 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 249% | 249% | 243% | n/a | n/a | |