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 | |