Wakefield, MI · Cert 5076 · Wakefield Bcorp Inc.
National charter · OCC · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.35% | 0.61% | 0.65% | 0.68% | 0.32% | 0.62% | 0.68% | +3 bps | |
| Return on Equity | 6.53% | 4.25% | 7.31% | 7.60% | 7.81% | 3.57% | 6.79% | 7.47% | -14 bps | |
| Net Interest Margin | 3.40% | 3.55% | 3.69% | 3.79% | 3.86% | 4.06% | 3.83% | 4.11% | +32 bps | |
| Efficiency Ratio | 86.12% | 86.04% | 83.55% | 81.93% | 81.95% | 82.87% | 84.53% | 80.82% | -111 bps | |
| Non-Interest Burden | 2.89% | 3.01% | 3.04% | 3.05% | 3.10% | 3.32% | 3.19% | 3.26% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.02% | -3.20% | -1.42% | -0.93% | -2.35% | -0.80% | -0.17% | -2.32% | -139 bps | |
| Loan Growth (YoY) | -1.96% | -4.52% | -5.00% | -4.08% | -6.85% | -3.13% | -1.26% | 2.27% | +635 bps | |
| Deposit Growth (YoY) | -3.47% | -2.73% | -2.52% | -2.00% | -3.22% | -4.20% | -0.72% | -2.89% | -89 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.12% | 0.91% | 0.41% | 0.71% | 0.86% | 0.89% | 1.03% | 0.71% | -1 bps | |
| Net Charge-Offs / Loans | 0.18% | -0.02% | -0.02% | 0.02% | -0.04% | 1.10% | -0.02% | 0.11% | +9 bps | |
| Allowance / Loans | 1.22% | 1.26% | 1.28% | 1.29% | 1.33% | 1.27% | 1.27% | 1.21% | -8 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.4x | 3.2x | 1.8x | 1.5x | 1.4x | 1.2x | 1.7x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.02% | 9.50% | 9.63% | 9.81% | 9.75% | 9.85% | 9.56% | 10.15% | +34 bps | |
| Total Risk-Based Capital | 23.58% | 24.62% | 24.31% | 24.38% | 24.67% | 24.71% | 24.92% | 24.81% | +43 bps | |
| Equity / Assets | 8.10% | 8.12% | 8.47% | 8.60% | 8.83% | 9.17% | 9.03% | 9.18% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 43.97% | 44.51% | 44.02% | 43.29% | 42.33% | 45.01% | 43.78% | 45.59% | +230 bps | |
| Liquid Assets / Assets | 31.46% | 28.99% | 28.12% | 27.37% | 26.30% | 25.03% | 24.88% | 24.13% | -324 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 50.64% | 56.61% | 57.76% | n/a | n/a | |