American Bank of Beaver Dam
Beaver Dam, WI · Cert 5283 · Peer group: banks under $1B in assets in WI (n=114-117)
FDIC · 4 branches
Q4 2025
$219.0MAssets
$75.6MLoans
$197.8MDeposits
$19.3MEquity
Executive Summary
- Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets in WI (rank 50 of 116).
- Widest gap: nonperforming loans / loans trails 93% of banks under $1B in assets in WI (rank 107 of 114).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.89%
Rank 72 of 117
Net Interest Margin
3.67%
Rank 36 of 117
Efficiency Ratio
69.85%
Rank 74 of 117
Equity / Assets
8.80%
Rank 87 of 117
Non-interest income vs. expense
Unfavorable gap of $5.0M · efficiency ratio beats 38% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.89% | 0.71% | 1.01% | 1.29% | Beats 38% | 72 / 117 | |
| Return on Equity | 10.07% | 6.81% | 9.41% | 11.96% | Beats 56% | 52 / 117 | |
| Net Interest Margin | 3.67% | 2.91% | 3.29% | 3.72% | Beats 69% | 36 / 117 | |
| Efficiency Ratio | 69.85% | 56.64% | 66.37% | 74.10% | Beats 38% | 74 / 117 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.68% | 0.02% | 0.24% | 0.90% | Beats 7% | 107 / 114 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.34% | 11.19% | 12.68% | 15.70% | Beats 14% | 101 / 117 | |
| Total Risk-Based Capital Ratio | 10.34% | 11.63% | 13.62% | 16.63% | Beats 14% | 101 / 117 | |
| Equity / Assets | 8.80% | 8.78% | 10.34% | 12.70% | Beats 26% | 87 / 117 | |
| Liquidity & Funding |
| Loans / Deposits | 38.20% | 72.96% | 84.55% | 97.13% | 1st pctl | 113 / 114 | |
| Loans / Assets | 34.50% | 61.21% | 70.87% | 78.28% | 2nd pctl | 112 / 114 | |
| Brokered Deposits / Deposits | 0.00% | n/a | 0.27% | 7.05% | Beats 100% | 50 / 116 | |