Beaver Dam, WI · Cert 5283
FDIC · 4 branches
Q4 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 0.87% | 1.03% | 1.07% | 0.86% | 0.99% | 1.02% | 0.95% | -12 bps | |
| Return on Equity | 12.60% | 11.00% | 12.78% | 13.17% | 10.18% | 11.40% | 11.59% | 10.74% | -244 bps | |
| Net Interest Margin | 3.45% | 3.62% | 3.51% | 3.53% | 3.58% | 3.80% | 3.71% | 3.67% | +14 bps | |
| Efficiency Ratio | 73.14% | 72.58% | 71.13% | 69.67% | 69.96% | 69.02% | 67.38% | 69.85% | +18 bps | |
| Non-Interest Burden | 2.35% | 2.45% | 2.33% | 2.29% | 2.34% | 2.45% | 2.32% | 2.41% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.29% | 7.28% | 11.43% | 3.98% | 6.22% | 5.69% | 2.04% | 6.86% | +288 bps | |
| Loan Growth (YoY) | -12.87% | -15.34% | -15.94% | -20.88% | -18.01% | -14.58% | -10.38% | -8.93% | +1,196 bps | |
| Deposit Growth (YoY) | 3.18% | 6.15% | 9.68% | 3.13% | 5.17% | 4.35% | 1.05% | 5.95% | +282 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.13% | 2.73% | 1.79% | 1.92% | 1.65% | 1.70% | 2.65% | 2.68% | +75 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.23% | 0.16% | 0.14% | 1.59% | 0.85% | 1.03% | 0.82% | +68 bps | |
| Allowance / Loans | 1.75% | 1.89% | 1.75% | 1.89% | 1.66% | 1.63% | 1.49% | 1.58% | -31 bps | |
| Allowance Coverage of NPLs | 13.4x | 0.7x | 1.0x | 1.0x | 1.0x | 1.0x | 0.6x | 0.6x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.65% | 10.22% | 9.96% | 10.03% | 9.89% | 10.58% | 10.41% | 10.34% | +31 bps | |
| Total Risk-Based Capital | 9.65% | 10.22% | 9.96% | 10.03% | 9.89% | 10.58% | 10.41% | 10.34% | +31 bps | |
| Equity / Assets | 8.03% | 8.24% | 8.59% | 8.12% | 8.75% | 9.18% | 9.33% | 8.80% | +68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.23% | 56.70% | 49.87% | 44.44% | 45.40% | 46.41% | 44.23% | 38.20% | -624 bps | |
| Liquid Assets / Assets | 6.19% | 7.93% | 14.39% | 13.18% | 13.39% | 15.91% | 14.40% | 24.13% | +1,095 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | 246% | 226% | n/a | |