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 | |