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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 0.75% | 0.93% | 0.95% | 1.10% | 1.09% | 0.84% | 0.99% | +4 bps | |
| Return on Equity | 7.26% | 6.54% | 8.07% | 8.24% | 9.39% | 9.19% | 6.82% | 8.02% | -23 bps | |
| Net Interest Margin | 2.61% | 2.61% | 2.81% | 2.78% | 2.83% | 2.82% | 2.80% | 2.91% | +13 bps | |
| Efficiency Ratio | 61.63% | 60.78% | 59.41% | 58.92% | 55.76% | 55.76% | 63.63% | 58.82% | -10 bps | |
| Non-Interest Burden | 1.53% | 1.51% | 1.59% | 1.55% | 1.41% | 1.42% | 1.71% | 1.62% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.46% | 7.93% | 6.20% | 4.42% | 5.47% | 3.85% | 4.09% | 3.64% | -78 bps | |
| Loan Growth (YoY) | 8.27% | 5.96% | 8.95% | 4.10% | 8.00% | 9.30% | 4.17% | 5.80% | +170 bps | |
| Deposit Growth (YoY) | 2.49% | 14.26% | 9.41% | 8.02% | 9.99% | 1.28% | 2.94% | 0.27% | -775 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.19% | 0.13% | 0.10% | 0.09% | 0.07% | 0.07% | 0.07% | 0.00% | -9 bps | |
| Net Charge-Offs / Loans | 0.36% | 0.36% | 0.11% | 0.04% | -0.04% | 0.06% | -0.01% | -0.01% | -5 bps | |
| Allowance / Loans | 0.97% | 1.08% | 1.01% | 1.05% | 1.10% | 1.00% | 1.01% | 1.03% | -2 bps | |
| Allowance Coverage of NPLs | 5.0x | 8.6x | 10.1x | 11.7x | 15.9x | 15.1x | 15.5x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.13% | 13.04% | 13.22% | 12.86% | 13.19% | 13.37% | 13.35% | 13.59% | +73 bps | |
| Total Risk-Based Capital | 13.13% | 13.04% | 13.22% | 12.86% | 13.19% | 13.37% | 13.35% | 13.59% | +73 bps | |
| Equity / Assets | 11.97% | 11.42% | 11.56% | 11.69% | 11.97% | 12.48% | 12.05% | 12.45% | +76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.94% | 86.55% | 89.87% | 89.57% | 90.28% | 93.40% | 90.94% | 94.52% | +494 bps | |
| Liquid Assets / Assets | 2.40% | 3.08% | 1.81% | 1.95% | 2.29% | 0.19% | 2.97% | 1.65% | -31 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 357% | 357% | 358% | n/a | n/a | |