McCall, ID · Cert 58095 · Bawag Group Ag
State charter, non-member · FDIC · 8 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 $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
59
Asset Quality
64
Profitability
25
Liquidity
58
Efficiency
71
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.
McCall, ID · Cert 58095 · Bawag Group Ag
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · Boise City, ID · 2026 SOD (annual) · 5.0% share · #9 of 24 inst. · $1.0B of $19.4B
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 | 0.92% | 0.86% | 0.71% | 0.62% | 0.64% | 0.65% | 0.65% | 0.84% | +22 bps | |
| Return on Equity | 8.80% | 8.33% | 7.10% | 6.38% | 6.64% | 6.91% | 6.85% | 8.56% | +218 bps | |
| Net Interest Margin | 3.48% | 3.11% | 3.13% | 2.83% | 2.63% | 2.58% | 3.10% | 3.15% | +31 bps | |
| Efficiency Ratio | 64.70% | 66.76% | 67.63% | 68.94% | 65.10% | 63.07% | 55.96% | 52.75% | -1,619 bps | |
| Non-Interest Burden | 2.19% | 2.03% | 2.06% | 1.91% | 1.67% | 1.59% | 1.69% | 1.61% | -30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.72% | 31.45% | 46.74% | 65.71% | 63.33% | 75.34% | 42.64% | 22.91% | -4,280 bps | |
| Loan Growth (YoY) | 7.74% | 2.81% | 6.82% | 16.31% | 28.67% | 48.51% | 51.60% | 48.79% | +3,247 bps | |
| Deposit Growth (YoY) | 24.67% | 34.74% | 49.55% | 69.61% | 65.07% | 78.62% | 42.06% | 21.24% | -4,837 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.29% | 0.13% | 0.00% | 0.00% | 0.03% | 0.02% | 0.09% | 0.05% | +5 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | -0.05% | -0.03% | -0.01% | -0.01% | 0.09% | 0.12% | +16 bps | |
| Allowance / Loans | 1.26% | 1.30% | 1.27% | 1.23% | 1.21% | 1.22% | 1.29% | 1.23% | 0 bps | |
| Allowance Coverage of NPLs | 4.4x | 10.4x | n/a | n/a | 37.4x | 56.3x | 14.8x | 26.1x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.94% | 10.47% | 10.66% | 10.18% | 10.16% | 10.18% | 10.25% | 10.47% | +30 bps | |
| Total Risk-Based Capital | 14.81% | 16.39% | 16.84% | 16.47% | 16.49% | 16.11% | 15.98% | 15.17% | -130 bps | |
| Equity / Assets | 10.09% | 10.20% | 9.79% | 9.35% | 9.46% | 8.88% | 10.14% | 10.50% | +115 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.81% | 73.84% | 67.08% | 63.72% | 64.55% | 61.39% | 71.59% | 78.20% | +1,448 bps | |
| Liquid Assets / Assets | 20.70% | 29.85% | 35.86% | 39.05% | 39.05% | 41.32% | 34.05% | 28.55% | -1,051 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 297% | 286% | 275% | n/a | n/a | |
McCall, ID · Cert 58095 · Peer group: banks $1B-$10B in assets (n=322-328) · Bawag Group Ag
State charter, non-member · FDIC · 8 branches
Q2 2026
Return on Assets
0.86%
Rank 257 of 328
Net Interest Margin
3.15%
Rank 229 of 328
Efficiency Ratio
52.75%
Rank 96 of 328
Equity / Assets
10.50%
Rank 159 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.86% | 0.91% | 1.22% | 1.52% | Beats 22% | 257 / 328 | ||
| Return on Equity | 8.22% | 8.43% | 11.45% | 14.43% | Beats 23% | 254 / 328 | ||
| Net Interest Margin | 3.15% | 3.03% | 3.45% | 3.83% | Beats 30% | 229 / 328 | ||
| Efficiency Ratio | 52.75% | 51.61% | 59.56% | 67.53% | Beats 71% | 96 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.05% | 0.24% | 0.51% | 1.03% | Beats 92% | 28 / 322 | ||
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.03% | 0.10% | Beats 35% | 209 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.00% | 11.75% | 13.15% | 15.47% | Beats 62% | 126 / 328 | ||
| Total Risk-Based Capital Ratio | 15.17% | 12.63% | 14.15% | 16.46% | Beats 63% | 120 / 328 | ||
| Equity / Assets | 10.50% | 9.15% | 10.33% | 12.01% | Beats 52% | 159 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.20% | 76.63% | 87.92% | 95.36% | 27th pctl | 235 / 323 | ||
| Loans / Assets | 69.63% | 65.18% | 74.15% | 79.98% | 35th pctl | 212 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||