Hartford, WI · Cert 5297 · FNB Hartford Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Milwaukee-Waukesha, WI · 2026 SOD (annual) · 0.4% share · #23 of 43 inst. · $0.3B of $79.9B
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 | 0.69% | 0.66% | 0.59% | 0.78% | 0.86% | 0.85% | 1.02% | 1.11% | +32 bps | |
| Return on Equity | 6.68% | 6.47% | 6.10% | 7.99% | 8.69% | 8.67% | 10.26% | 10.87% | +288 bps | |
| Net Interest Margin | 2.95% | 2.86% | 2.84% | 3.14% | 3.24% | 3.31% | 3.52% | 3.76% | +62 bps | |
| Efficiency Ratio | 74.77% | 75.60% | 77.35% | 72.71% | 70.69% | 71.05% | 66.49% | 65.51% | -720 bps | |
| Non-Interest Burden | 2.10% | 2.06% | 2.11% | 2.15% | 2.16% | 2.22% | 2.20% | 2.31% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.68% | 11.08% | 10.88% | 10.75% | 4.86% | 5.31% | 1.65% | 1.20% | -955 bps | |
| Loan Growth (YoY) | -0.07% | -0.92% | 6.21% | 7.59% | 9.74% | 11.33% | 8.81% | 5.79% | -179 bps | |
| Deposit Growth (YoY) | 4.56% | 12.70% | 14.11% | 15.51% | 8.46% | 8.40% | 2.25% | -1.47% | -1,698 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.08% | 0.10% | 0.01% | 0.01% | 0.13% | 0.02% | 0.06% | +4 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | -0.01% | -1 bps | |
| Allowance / Loans | 1.17% | 1.17% | 1.09% | 1.06% | 1.03% | 1.04% | 1.02% | 1.05% | -1 bps | |
| Allowance Coverage of NPLs | 23.5x | 13.8x | 10.8x | 90.9x | 90.1x | 7.9x | 67.9x | 18.8x | -72.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.40% | 10.15% | 9.51% | 10.05% | 10.15% | 10.27% | 10.04% | 10.56% | +51 bps | |
| Total Risk-Based Capital | 14.45% | 14.43% | 13.72% | 13.77% | 13.93% | 13.94% | 13.80% | 14.10% | +33 bps | |
| Equity / Assets | 10.18% | 9.50% | 9.84% | 10.00% | 10.23% | 9.59% | 10.32% | 10.65% | +65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.35% | 85.63% | 91.98% | 93.30% | 95.46% | 87.95% | 97.89% | 100.18% | +688 bps | |
| Liquid Assets / Assets | 15.79% | 19.35% | 13.93% | 10.76% | 8.37% | 13.40% | 6.07% | 5.44% | -532 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 506% | 504% | 518% | n/a | n/a | |