Green Bay, WI · Cert 34052 · Bay Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in WI (n=110 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
72
Asset Quality
10
Profitability
55
Liquidity
0
Efficiency
42
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Green Bay, WI · Cert 34052 · Bay Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Green Bay, WI · 2026 SOD (annual) · 1.0% share · #11 of 20 inst. · $0.1B of $14.9B
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 | 1.44% | 1.44% | 1.06% | 1.22% | 1.23% | 1.29% | 1.11% | 1.12% | -10 bps | |
| Return on Equity | 18.63% | 18.43% | 12.87% | 14.37% | 14.05% | 14.30% | 11.25% | 11.35% | -301 bps | |
| Net Interest Margin | 3.57% | 3.44% | 3.64% | 3.67% | 3.77% | 3.72% | 3.85% | 3.85% | +19 bps | |
| Efficiency Ratio | 53.90% | 52.96% | 53.49% | 54.73% | 55.27% | 55.30% | 64.95% | 65.20% | +1,046 bps | |
| Non-Interest Burden | 1.48% | 1.36% | 1.51% | 1.61% | 1.68% | 1.66% | 2.31% | 2.31% | +70 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.71% | 11.55% | 16.03% | 13.50% | 12.98% | 11.31% | 1.60% | 4.23% | -928 bps | |
| Loan Growth (YoY) | 22.02% | 10.52% | 12.24% | 12.46% | 14.26% | 11.64% | 10.75% | 8.61% | -385 bps | |
| Deposit Growth (YoY) | 8.67% | 8.47% | 13.97% | 10.29% | 11.16% | 9.06% | -3.64% | 1.82% | -846 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.14% | 2.53% | 3.18% | 2.99% | 2.39% | 2.36% | 2.39% | 2.03% | -97 bps | |
| Net Charge-Offs / Loans | 0.25% | 0.37% | 0.06% | 0.28% | 0.74% | 0.58% | 0.06% | 0.06% | -22 bps | |
| Allowance / Loans | 1.52% | 1.68% | 2.08% | 2.01% | 1.77% | 1.93% | 1.89% | 1.89% | -12 bps | |
| Allowance Coverage of NPLs | 1.3x | 0.7x | 0.7x | 0.7x | 0.7x | 0.8x | 0.8x | 0.9x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.17% | 9.92% | 10.02% | 10.25% | 10.75% | 10.77% | 11.10% | 11.19% | +93 bps | |
| Total Risk-Based Capital | 22.24% | 22.33% | 22.77% | 22.65% | 23.44% | 24.53% | 23.79% | 23.56% | +91 bps | |
| Equity / Assets | 8.73% | 8.04% | 8.37% | 9.05% | 9.59% | 9.92% | 9.83% | 9.92% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 48.06% | 46.42% | 43.98% | 47.39% | 49.40% | 47.51% | 50.55% | 50.55% | +316 bps | |
| Liquid Assets / Assets | 12.17% | 12.15% | 15.75% | 9.79% | 9.67% | 10.36% | 9.64% | 6.37% | -342 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 164.29% | 148.28% | 150.81% | n/a | n/a | |
Green Bay, WI · Cert 34052 · Peer group: banks under $1B in assets in WI (n=110-113) · Bay Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
1.11%
Rank 63 of 113
Net Interest Margin
3.85%
Rank 35 of 113
Efficiency Ratio
65.20%
Rank 67 of 113
Equity / Assets
9.92%
Rank 71 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.11% | 0.85% | 1.17% | 1.51% | Beats 44% | 63 / 113 | ||
| Return on Equity | 11.21% | 7.70% | 10.77% | 13.67% | Beats 51% | 55 / 113 | ||
| Net Interest Margin | 3.85% | 3.19% | 3.59% | 3.89% | Beats 69% | 35 / 113 | ||
| Efficiency Ratio | 65.20% | 54.61% | 62.43% | 71.88% | Beats 42% | 67 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.03% | 0.03% | 0.24% | 0.91% | Beats 11% | 99 / 110 | ||
| Net Charge-Offs / Loans | 0.06% | n/a | 0.00% | 0.01% | Beats 9% | 101 / 110 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 22.31% | 11.22% | 12.95% | 15.76% | Beats 89% | 12 / 113 | ||
| Total Risk-Based Capital Ratio | 23.56% | 11.57% | 13.59% | 16.73% | Beats 89% | 12 / 113 | ||
| Equity / Assets | 9.92% | 9.17% | 10.74% | 13.13% | Beats 37% | 71 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 50.55% | 76.54% | 86.37% | 98.93% | 4th pctl | 108 / 112 | ||
| Loans / Assets | 42.42% | 63.07% | 71.33% | 78.84% | 4th pctl | 108 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||