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 (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 | 0.45% | 0.40% | 0.01% | 0.85% | 1.01% | 1.22% | 1.03% | 1.16% | +31 bps | |
| Return on Equity | 5.97% | 5.28% | 0.14% | 11.66% | 12.71% | 14.71% | 12.50% | 13.76% | +210 bps | |
| Net Interest Margin | 2.57% | 2.93% | 2.92% | 3.09% | 3.18% | 3.36% | 3.28% | 3.52% | +43 bps | |
| Efficiency Ratio | 85.12% | 95.54% | 101.49% | 73.76% | 70.42% | 64.90% | 67.68% | 64.30% | -946 bps | |
| Non-Interest Burden | 2.07% | 2.74% | 2.94% | 2.08% | 2.02% | 1.87% | 1.98% | 1.95% | -12 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 | -0.29% | 0.00% | 0.01% | -0.06% | 0.00% | 0.01% | 0.00% | 0.00% | +6 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 | |