Spring Bank
Brookfield, WI · Cert 58780 · Peer group: banks under $1B in assets in WI (n=110-113)
State charter, non-member · FDIC · 1 branch
Q2 2026
$440.7MAssets
$369.3MLoans
$332.3MDeposits
$49.5MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in WI (rank 37 of 110).
- Widest gap: nonperforming loans / loans trails 95% of banks under $1B in assets in WI (rank 106 of 110).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.53%
Rank 28 of 113
Net Interest Margin
3.48%
Rank 64 of 113
Efficiency Ratio
47.15%
Rank 19 of 113
Equity / Assets
11.24%
Rank 47 of 113
Non-interest income vs. expense
Unfavorable gap of $7.0M · efficiency ratio beats 84% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.53% | 0.85% | 1.17% | 1.51% | Beats 75% | 28 / 113 | | |
| Return on Equity | 13.61% | 7.70% | 10.77% | 13.67% | Beats 73% | 30 / 113 | | |
| Net Interest Margin | 3.48% | 3.19% | 3.59% | 3.89% | Beats 43% | 64 / 113 | | |
| Efficiency Ratio | 47.15% | 54.61% | 62.43% | 71.88% | Beats 84% | 19 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.70% | 0.03% | 0.24% | 0.91% | Beats 5% | 106 / 110 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 100% | 37 / 110 | | |
| Capital |
| Tier 1 Capital Ratio | 11.57% | 11.22% | 12.95% | 15.76% | Beats 28% | 81 / 113 | | |
| Total Risk-Based Capital Ratio | 11.57% | 11.57% | 13.59% | 16.73% | Beats 26% | 84 / 113 | | |
| Equity / Assets | 11.24% | 9.17% | 10.74% | 13.13% | Beats 58% | 47 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 111.13% | 76.54% | 86.37% | 98.93% | 94th pctl | 7 / 112 | | |
| Loans / Assets | 83.79% | 63.07% | 71.33% | 78.84% | 84th pctl | 18 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |