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 (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 | 0.60% | -1.27% | 0.80% | 0.72% | 0.45% | 0.51% | 0.98% | 0.95% | +23 bps | |
| Return on Equity | 9.45% | -19.94% | 12.92% | 11.07% | 6.72% | 7.18% | 13.22% | 12.41% | +134 bps | |
| Net Interest Margin | 3.15% | 3.31% | 3.65% | 3.48% | 3.41% | 3.72% | 3.70% | 3.82% | +35 bps | |
| Efficiency Ratio | 79.83% | 88.17% | 74.95% | 75.70% | 84.42% | 77.58% | 69.69% | 70.54% | -516 bps | |
| Non-Interest Burden | 2.44% | 2.87% | 2.64% | 2.55% | 2.82% | 2.81% | 2.47% | 2.60% | +5 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 | -0.01% | 5.09% | 0.00% | 0.00% | -0.01% | -0.76% | -0.02% | -0.08% | -8 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 | |