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 | |