Middleton, WI · Cert 35237 · Deere&Company
State savings bank · OCC · 1 branch
Q2 2026
Market Position · Madison, WI · 2026 SOD (annual) · 5.2% share · #6 of 41 inst. · $1.6B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.72% | 3.27% | 3.87% | 5.09% | 3.11% | +139 bps | |
| Return on Equity | 8.46% | 17.10% | 19.34% | 22.56% | 15.03% | +657 bps | |
| Net Interest Margin | 5.84% | 5.46% | 6.20% | 6.43% | 5.48% | -36 bps | |
| Efficiency Ratio | 25.63% | 23.90% | 23.33% | 26.61% | 24.77% | -86 bps | |
| Non-Interest Burden | 0.17% | 0.06% | 0.10% | 0.30% | 0.12% | -6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.45% | 4.24% | -1.16% | 8.36% | 8.66% | +422 bps | |
| Loan Growth (YoY) | 4.46% | 4.30% | -1.25% | 7.98% | 8.48% | +402 bps | |
| Deposit Growth (YoY) | -1.58% | -0.21% | -5.18% | 2.45% | 2.42% | +400 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.29% | 0.29% | 0.37% | 0.92% | 0.27% | -2 bps | |
| Net Charge-Offs / Loans | 3.43% | 1.91% | 1.95% | 0.29% | 1.97% | -146 bps | |
| Allowance / Loans | 0.27% | 0.17% | 0.24% | 0.14% | 0.14% | -12 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.6x | 0.7x | 0.2x | 0.5x | -0.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 18.65% | 16.26% | 19.04% | 24.63% | 19.36% | +71 bps | |
| Total Risk-Based Capital | 18.65% | 16.26% | 19.04% | 24.63% | 19.36% | +71 bps | |
| Equity / Assets | 17.20% | 16.08% | 24.19% | 21.17% | 17.96% | +76 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 297% | 293% | 265% | 298% | 315% | +1,759 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |