Madison, WI · Cert 34074 · Capitol Bankshares 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
71
Profitability
35
Liquidity
77
Efficiency
59
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.
Madison, WI · Cert 34074 · Capitol Bankshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Madison, WI · 2026 SOD (annual) · 1.6% share · #19 of 41 inst. · $0.5B of $30.1B
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 | 0.58% | 0.64% | 0.54% | 0.70% | 0.79% | 0.85% | 1.11% | 1.12% | +42 bps | |
| Return on Equity | 5.85% | 6.44% | 5.49% | 6.94% | 7.68% | 8.26% | 10.00% | 9.73% | +279 bps | |
| Net Interest Margin | 2.31% | 2.34% | 2.38% | 2.56% | 2.80% | 2.84% | 2.94% | 3.13% | +57 bps | |
| Efficiency Ratio | 73.05% | 70.35% | 71.78% | 67.11% | 64.15% | 62.91% | 59.27% | 59.48% | -763 bps | |
| Non-Interest Burden | 1.62% | 1.58% | 1.65% | 1.65% | 1.71% | 1.71% | 1.65% | 1.77% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.81% | 6.65% | 8.98% | 1.24% | 0.85% | 0.73% | -7.92% | -6.06% | -730 bps | |
| Loan Growth (YoY) | 8.94% | 0.80% | 0.47% | -4.60% | -6.50% | -3.45% | -7.99% | -10.30% | -569 bps | |
| Deposit Growth (YoY) | 7.45% | 6.05% | 8.54% | 4.16% | 0.71% | 0.59% | -9.90% | -7.67% | -1,183 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.26% | 0.00% | 0.00% | 0.01% | 0.01% | 0.02% | 0.02% | 0.02% | +1 bps | |
| Net Charge-Offs / Loans | 0.15% | 0.23% | 0.00% | 0.02% | 0.02% | 0.01% | 0.00% | -0.01% | -3 bps | |
| Allowance / Loans | 1.19% | 1.17% | 1.20% | 1.26% | 1.30% | 1.32% | 1.39% | 1.46% | +20 bps | |
| Allowance Coverage of NPLs | 4.6x | n/a | n/a | 183.4x | 187.8x | 73.4x | 74.0x | 75.1x | -108.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.70% | 10.58% | 10.20% | 10.62% | 11.40% | 11.43% | 11.38% | 12.42% | +180 bps | |
| Total Risk-Based Capital | 13.15% | 13.81% | 14.07% | 14.79% | 15.27% | 15.17% | 16.33% | 17.01% | +222 bps | |
| Equity / Assets | 10.12% | 9.72% | 9.85% | 10.70% | 10.82% | 10.66% | 11.65% | 12.28% | +158 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.27% | 91.80% | 89.24% | 93.81% | 91.23% | 88.12% | 91.14% | 91.14% | -267 bps | |
| Liquid Assets / Assets | 0.80% | 4.75% | 6.42% | 1.74% | 4.57% | 6.41% | 4.04% | 4.21% | +247 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 491% | 498% | 453% | n/a | n/a | |
Madison, WI · Cert 34074 · Peer group: banks under $1B in assets in WI (n=110-113) · Capitol Bankshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
1.18%
Rank 56 of 113
Net Interest Margin
3.13%
Rank 91 of 113
Efficiency Ratio
59.48%
Rank 47 of 113
Equity / Assets
12.28%
Rank 37 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.18% | 0.85% | 1.17% | 1.51% | Beats 50% | 56 / 113 | ||
| Return on Equity | 9.61% | 7.70% | 10.77% | 13.67% | Beats 36% | 72 / 113 | ||
| Net Interest Margin | 3.13% | 3.19% | 3.59% | 3.89% | Beats 19% | 91 / 113 | ||
| Efficiency Ratio | 59.48% | 54.61% | 62.43% | 71.88% | Beats 59% | 47 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.02% | 0.03% | 0.24% | 0.91% | Beats 78% | 25 / 110 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 64% | 44 / 110 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.76% | 11.22% | 12.95% | 15.76% | Beats 74% | 29 / 113 | ||
| Total Risk-Based Capital Ratio | 17.01% | 11.57% | 13.59% | 16.73% | Beats 75% | 28 / 113 | ||
| Equity / Assets | 12.28% | 9.17% | 10.74% | 13.13% | Beats 67% | 37 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.14% | 76.54% | 86.37% | 98.93% | 63rd pctl | 42 / 112 | ||
| Loans / Assets | 76.26% | 63.07% | 71.33% | 78.84% | 65th pctl | 40 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||