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 | |