Fort Atkinson, WI · Cert 5295 · First American Bankshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in WI (n=110 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
37
Asset Quality
53
Profitability
49
Liquidity
94
Efficiency
38
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Fort Atkinson, WI · Cert 5295 · First American Bankshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Janesville-Beloit, WI · 2026 SOD (annual) · 0.8% share · #16 of 18 inst. · $0.0B of $3.5B
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 | 0.38% | 0.38% | 0.01% | 0.43% | 0.62% | 0.77% | 1.03% | 1.10% | +67 bps | |
| Return on Equity | 5.06% | 5.18% | 0.14% | 5.99% | 8.32% | 10.07% | 12.50% | 13.08% | +709 bps | |
| Net Interest Margin | 2.47% | 2.61% | 2.92% | 2.97% | 3.05% | 3.14% | 3.28% | 3.42% | +45 bps | |
| Efficiency Ratio | 88.97% | 90.77% | 101.49% | 86.96% | 81.26% | 76.79% | 67.68% | 65.92% | -2,104 bps | |
| Non-Interest Burden | 2.11% | 2.29% | 2.94% | 2.47% | 2.33% | 2.23% | 1.98% | 1.98% | -49 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.79% | 4.10% | 3.83% | 1.61% | -0.09% | 3.77% | 0.70% | 4.58% | +297 bps | |
| Loan Growth (YoY) | 4.88% | 7.06% | 6.78% | 7.98% | 7.22% | 6.19% | 6.40% | 8.08% | +10 bps | |
| Deposit Growth (YoY) | 6.04% | 5.91% | 0.85% | -0.16% | -2.97% | -3.20% | -1.10% | -1.47% | -130 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.36% | 0.34% | 0.33% | 0.27% | 0.29% | 0.32% | 0.31% | 0.24% | -3 bps | |
| Net Charge-Offs / Loans | -0.10% | -0.07% | 0.01% | -0.02% | -0.02% | -0.01% | 0.00% | 0.00% | +2 bps | |
| Allowance / Loans | 1.32% | 1.28% | 1.26% | 1.25% | 1.25% | 1.25% | 1.25% | 1.25% | 0 bps | |
| Allowance Coverage of NPLs | 3.7x | 3.7x | 3.8x | 4.6x | 4.4x | 3.9x | 4.1x | 5.1x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.23% | 9.25% | 9.30% | 9.21% | 9.46% | 9.60% | 9.51% | 9.80% | +59 bps | |
| Total Risk-Based Capital | 14.13% | 13.61% | 13.85% | 13.40% | 13.77% | 13.62% | 13.83% | 13.68% | +28 bps | |
| Equity / Assets | 7.93% | 7.07% | 6.97% | 7.60% | 8.26% | 8.34% | 8.21% | 8.62% | +101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.07% | 74.04% | 76.05% | 79.95% | 80.74% | 81.22% | 81.82% | 87.69% | +774 bps | |
| Liquid Assets / Assets | 3.94% | 1.28% | 6.72% | 0.74% | 0.58% | 3.44% | 3.89% | 0.46% | -29 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 332% | 339% | 339% | n/a | n/a | |
Fort Atkinson, WI · Cert 5295 · Peer group: banks under $1B in assets in WI (n=110-113) · First American Bankshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Return on Assets
1.10%
Rank 66 of 113
Net Interest Margin
3.42%
Rank 69 of 113
Efficiency Ratio
66.20%
Rank 71 of 113
Equity / Assets
8.62%
Rank 94 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.10% | 0.85% | 1.17% | 1.51% | Beats 42% | 66 / 113 | ||
| Return on Equity | 12.72% | 7.70% | 10.77% | 13.67% | Beats 67% | 37 / 113 | ||
| Net Interest Margin | 3.42% | 3.19% | 3.59% | 3.89% | Beats 39% | 69 / 113 | ||
| Efficiency Ratio | 66.20% | 54.61% | 62.43% | 71.88% | Beats 38% | 71 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.24% | 0.03% | 0.24% | 0.91% | Beats 50% | 56 / 110 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 55% | 54 / 110 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.54% | 11.22% | 12.95% | 15.76% | Beats 43% | 64 / 113 | ||
| Total Risk-Based Capital Ratio | 13.68% | 11.57% | 13.59% | 16.73% | Beats 50% | 56 / 113 | ||
| Equity / Assets | 8.62% | 9.17% | 10.74% | 13.13% | Beats 17% | 94 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.69% | 76.54% | 86.37% | 98.93% | 54th pctl | 52 / 112 | ||
| Loans / Assets | 66.71% | 63.07% | 71.33% | 78.84% | 34th pctl | 75 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||