Hortonville, WI · Cert 34240 · Wolf River Bcorp Inc.
State charter, non-member · FDIC · 4 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
47
Asset Quality
85
Profitability
89
Liquidity
0
Efficiency
81
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.
Hortonville, WI · Cert 34240 · Wolf River Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Appleton, WI · 2026 SOD (annual) · 4.8% share · #8 of 23 inst. · $0.2B 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 | 1.29% | 1.31% | 1.67% | 1.67% | 1.69% | 1.67% | 1.83% | 1.85% | +19 bps | |
| Return on Equity | 11.03% | 11.28% | 14.57% | 14.49% | 14.62% | 14.55% | 16.02% | 15.97% | +149 bps | |
| Net Interest Margin | 3.82% | 3.76% | 4.08% | 4.16% | 4.08% | 4.00% | 4.30% | 4.49% | +33 bps | |
| Efficiency Ratio | 57.39% | 56.83% | 50.89% | 51.29% | 51.53% | 52.14% | 49.09% | 48.99% | -230 bps | |
| Non-Interest Burden | 1.99% | 1.95% | 1.88% | 1.93% | 1.89% | 1.88% | 1.91% | 1.99% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.52% | 12.97% | 12.54% | 14.26% | 12.05% | 16.35% | 11.15% | 11.79% | -247 bps | |
| Loan Growth (YoY) | 17.26% | 15.07% | 11.33% | 11.16% | 12.26% | 12.13% | 15.55% | 17.44% | +628 bps | |
| Deposit Growth (YoY) | 6.95% | 8.69% | 8.46% | 10.24% | 11.10% | 13.13% | 7.02% | 2.67% | -757 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.07% | 0.06% | 0.05% | 0.05% | 0.07% | 0.05% | 0.05% | -1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.63% | 1.66% | 1.72% | 1.73% | 1.70% | 1.69% | 1.69% | 1.68% | -5 bps | |
| Allowance Coverage of NPLs | 14.2x | 24.4x | 27.4x | 31.6x | 35.7x | 24.8x | 30.8x | 33.7x | +2.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.57% | 12.33% | 12.02% | 12.25% | 12.04% | 11.90% | 11.74% | 12.42% | +17 bps | |
| Total Risk-Based Capital | 12.57% | 12.33% | 12.02% | 12.25% | 12.04% | 11.90% | 11.74% | 12.42% | +17 bps | |
| Equity / Assets | 11.90% | 11.39% | 11.47% | 11.61% | 11.82% | 11.17% | 11.69% | 11.96% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.82% | 94.38% | 92.03% | 93.68% | 96.83% | 93.55% | 99.37% | 107.16% | +1,348 bps | |
| Liquid Assets / Assets | 0.29% | 0.05% | 0.08% | 0.12% | 0.33% | 0.17% | 0.27% | 0.09% | -3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 354% | 347% | 350% | n/a | n/a | |
Hortonville, WI · Cert 34240 · Peer group: banks under $1B in assets in WI (n=110-113) · Wolf River Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
1.84%
Rank 15 of 113
Net Interest Margin
4.49%
Rank 8 of 113
Efficiency Ratio
48.99%
Rank 22 of 113
Equity / Assets
11.96%
Rank 40 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.84% | 0.85% | 1.17% | 1.51% | Beats 87% | 15 / 113 | ||
| Return on Equity | 15.40% | 7.70% | 10.77% | 13.67% | Beats 87% | 15 / 113 | ||
| Net Interest Margin | 4.49% | 3.19% | 3.59% | 3.89% | Beats 93% | 8 / 113 | ||
| Efficiency Ratio | 48.99% | 54.61% | 62.43% | 71.88% | Beats 81% | 22 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.05% | 0.03% | 0.24% | 0.91% | Beats 70% | 34 / 110 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 100% | 37 / 110 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.42% | 11.22% | 12.95% | 15.76% | Beats 42% | 66 / 113 | ||
| Total Risk-Based Capital Ratio | 12.42% | 11.57% | 13.59% | 16.73% | Beats 35% | 74 / 113 | ||
| Equity / Assets | 11.96% | 9.17% | 10.74% | 13.13% | Beats 65% | 40 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 107.16% | 76.54% | 86.37% | 98.93% | 89th pctl | 12 / 112 | ||
| Loans / Assets | 82.65% | 63.07% | 71.33% | 78.84% | 81st pctl | 21 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||