Mayville, WI · Cert 30585
SI · FDIC · 1 branch
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 | 0.87% | 0.96% | 0.99% | 1.17% | 1.38% | +52 bps | |
| Return on Equity | 6.77% | 7.39% | 7.52% | 8.61% | 10.36% | +359 bps | |
| Net Interest Margin | 3.32% | 3.35% | 3.45% | 3.64% | 3.66% | +34 bps | |
| Efficiency Ratio | 69.83% | 69.15% | 68.71% | 57.74% | 54.87% | -1,496 bps | |
| Non-Interest Burden | 2.27% | 2.23% | 2.28% | 2.04% | 1.94% | -33 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.85% | 5.01% | 3.62% | 2.72% | 9.94% | +9 bps | |
| Loan Growth (YoY) | 2.88% | -5.35% | -0.70% | -2.01% | -0.52% | -340 bps | |
| Deposit Growth (YoY) | 9.92% | 4.25% | 2.68% | 2.05% | 9.92% | 0 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.33% | 0.35% | 0.34% | 0.34% | 0.32% | -1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.97% | 1.04% | 1.01% | 1.01% | 0.98% | +1 bps | |
| Allowance Coverage of NPLs | 2.9x | 3.0x | 2.9x | 3.0x | 3.0x | +0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.43% | 13.49% | 13.88% | 13.80% | 13.44% | +1 bps | |
| Total Risk-Based Capital | 26.34% | 28.87% | 28.22% | 28.68% | 27.62% | +128 bps | |
| Equity / Assets | 12.91% | 13.87% | 13.58% | 13.56% | 12.99% | +7 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 70.99% | 69.61% | 68.63% | 67.40% | 64.25% | -674 bps | |
| Liquid Assets / Assets | 10.02% | 9.40% | 5.80% | 5.42% | 7.08% | -294 bps | |
| CRE / Total Capital | n/a | 51.84% | 51.17% | 52.13% | n/a | n/a | |