Appleton, WI · Cert 33812 · American National Bcorp Inc.
National charter · OCC · 1 branch
Q2 2026
Market Position · Appleton, WI · 2026 SOD (annual) · 6.9% share · #7 of 23 inst. · $0.4B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.95% | 1.10% | 1.09% | 0.84% | 0.99% | +4 bps | |
| Return on Equity | 8.24% | 9.39% | 9.19% | 6.82% | 8.02% | -23 bps | |
| Net Interest Margin | 2.78% | 2.83% | 2.82% | 2.80% | 2.91% | +13 bps | |
| Efficiency Ratio | 58.92% | 55.76% | 55.76% | 63.63% | 58.82% | -10 bps | |
| Non-Interest Burden | 1.55% | 1.41% | 1.42% | 1.71% | 1.62% | +6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.42% | 5.47% | 3.85% | 4.09% | 3.64% | -78 bps | |
| Loan Growth (YoY) | 4.10% | 8.00% | 9.30% | 4.17% | 5.80% | +170 bps | |
| Deposit Growth (YoY) | 8.02% | 9.99% | 1.28% | 2.94% | 0.27% | -775 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.09% | 0.07% | 0.07% | 0.07% | 0.00% | -9 bps | |
| Net Charge-Offs / Loans | 0.04% | -0.04% | 0.06% | -0.01% | -0.01% | -5 bps | |
| Allowance / Loans | 1.05% | 1.10% | 1.00% | 1.01% | 1.03% | -2 bps | |
| Allowance Coverage of NPLs | 11.7x | 15.9x | 15.1x | 15.5x | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.86% | 13.19% | 13.37% | 13.35% | 13.59% | +73 bps | |
| Total Risk-Based Capital | 12.86% | 13.19% | 13.37% | 13.35% | 13.59% | +73 bps | |
| Equity / Assets | 11.69% | 11.97% | 12.48% | 12.05% | 12.45% | +76 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.57% | 90.28% | 93.40% | 90.94% | 94.52% | +494 bps | |
| Liquid Assets / Assets | 1.95% | 2.29% | 0.19% | 2.97% | 1.65% | -31 bps | |
| CRE / Total Capital | n/a | 357% | 357% | 358% | n/a | n/a | |