Baldwin, WI · Cert 5336 · Baldwin Bancshares Inc.
State charter, Fed member · FED · 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 the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
11
Asset Quality
52
Profitability
47
Liquidity
92
Efficiency
30
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.
Baldwin, WI · Cert 5336 · Baldwin Bancshares Inc.
State charter, Fed member · FED · 7 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.1% share · #75 of 125 inst. · $0.2B of $253.2B
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 | 0.50% | 0.06% | 0.80% | 0.76% | 0.66% | 0.62% | 0.98% | 0.97% | +21 bps | |
| Return on Equity | 8.35% | 0.94% | 12.92% | 12.01% | 10.14% | 9.34% | 13.22% | 12.78% | +77 bps | |
| Net Interest Margin | 3.02% | 3.11% | 3.65% | 3.56% | 3.46% | 3.52% | 3.70% | 3.81% | +24 bps | |
| Efficiency Ratio | 80.64% | 82.62% | 74.95% | 75.31% | 78.30% | 78.11% | 69.69% | 70.11% | -520 bps | |
| Non-Interest Burden | 2.37% | 2.51% | 2.64% | 2.60% | 2.64% | 2.67% | 2.47% | 2.57% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.70% | 1.11% | -0.07% | 2.99% | 2.31% | 1.85% | 3.04% | 0.62% | -237 bps | |
| Loan Growth (YoY) | -0.01% | -2.19% | -6.48% | 2.44% | 4.59% | 7.89% | 7.67% | 0.80% | -164 bps | |
| Deposit Growth (YoY) | -4.89% | -1.07% | -0.46% | -0.42% | -4.03% | -1.65% | -0.56% | 4.00% | +442 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.63% | 1.38% | 1.43% | 1.27% | 1.12% | 0.57% | 0.72% | 0.92% | -35 bps | |
| Net Charge-Offs / Loans | -0.16% | 1.15% | 0.00% | 0.00% | 0.00% | -0.19% | -0.02% | -0.05% | -5 bps | |
| Allowance / Loans | 1.64% | 1.22% | 1.23% | 1.15% | 1.15% | 1.30% | 1.33% | 1.35% | +20 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.9x | 0.9x | 0.9x | 1.0x | 2.3x | 1.9x | 1.5x | +0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.36% | 9.11% | 9.30% | 9.34% | 9.22% | 9.33% | 9.50% | 9.99% | +64 bps | |
| Total Risk-Based Capital | 14.99% | 14.54% | 15.03% | 13.99% | 9.22% | 9.33% | 9.50% | 9.99% | -400 bps | |
| Equity / Assets | 6.80% | 5.89% | 6.50% | 6.59% | 6.94% | 7.35% | 7.53% | 7.86% | +127 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.40% | 74.61% | 74.05% | 82.60% | 84.35% | 81.85% | 80.18% | 80.05% | -254 bps | |
| Liquid Assets / Assets | 10.18% | 12.31% | 11.78% | 9.64% | 9.54% | 9.59% | 12.29% | 12.74% | +310 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 208% | 214% | 197.24% | n/a | n/a | |
Baldwin, WI · Cert 5336 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · Baldwin Bancshares Inc.
State charter, Fed member · FED · 7 branches
Q2 2026
Return on Assets
0.97%
Rank 33 of 53
Net Interest Margin
3.81%
Rank 26 of 53
Efficiency Ratio
70.11%
Rank 38 of 53
Equity / Assets
7.86%
Rank 43 of 53
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.97% | 0.73% | 1.11% | 1.30% | Beats 38% | 33 / 53 | ||
| Return on Equity | 12.33% | 7.88% | 12.20% | 14.12% | Beats 51% | 26 / 53 | ||
| Net Interest Margin | 3.81% | 3.39% | 3.77% | 4.09% | Beats 51% | 26 / 53 | ||
| Efficiency Ratio | 70.11% | 56.05% | 65.05% | 71.57% | Beats 30% | 38 / 53 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.92% | 0.14% | 0.52% | 1.20% | Beats 34% | 36 / 53 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.08% | Beats 70% | 17 / 53 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.99% | 10.73% | 12.98% | 15.08% | Beats 9% | 48 / 53 | ||
| Total Risk-Based Capital Ratio | 9.99% | 11.49% | 13.79% | 16.34% | Beats 6% | 50 / 53 | ||
| Equity / Assets | 7.86% | 8.08% | 9.25% | 10.72% | Beats 19% | 43 / 53 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.05% | 72.13% | 82.29% | 93.80% | 43rd pctl | 30 / 53 | ||
| Loans / Assets | 58.69% | 63.64% | 71.80% | 79.37% | 19th pctl | 43 / 53 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||