Barron, WI · Cert 6195 · Northwest Wisconsin Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.07% | 1.19% | 1.35% | 1.24% | 1.33% | +26 bps | |
| Return on Equity | 12.32% | 13.26% | 15.22% | 13.96% | 14.59% | +227 bps | |
| Net Interest Margin | 3.06% | 3.23% | 3.41% | 3.37% | 3.46% | +40 bps | |
| Efficiency Ratio | 59.58% | 57.15% | 54.79% | 56.38% | 54.80% | -478 bps | |
| Non-Interest Burden | 1.67% | 1.69% | 1.67% | 1.74% | 1.70% | +3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.41% | 1.01% | 2.60% | 0.29% | 1.00% | -41 bps | |
| Loan Growth (YoY) | 4.47% | 5.78% | 8.75% | 6.85% | 6.44% | +197 bps | |
| Deposit Growth (YoY) | 5.75% | 5.35% | 4.47% | 1.68% | 0.05% | -570 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.04% | 0.04% | 0.04% | 0.02% | +2 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.06% | +6 bps | |
| Allowance / Loans | 0.95% | 0.91% | 0.89% | 0.90% | 0.90% | -5 bps | |
| Allowance Coverage of NPLs | n/a | 25.4x | 25.1x | 24.5x | 42.3x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.02% | 9.29% | 8.95% | 9.20% | 9.37% | +35 bps | |
| Total Risk-Based Capital | 14.27% | 14.59% | 13.99% | 14.57% | 14.52% | +24 bps | |
| Equity / Assets | 8.87% | 9.06% | 8.72% | 9.05% | 9.23% | +36 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.06% | 77.94% | 79.89% | 80.28% | 81.98% | +492 bps | |
| Liquid Assets / Assets | 23.27% | 23.02% | 22.03% | 22.59% | 21.03% | -224 bps | |
| CRE / Total Capital | n/a | 382% | 399% | 396% | n/a | n/a | |