Highland, WI · Cert 6198 · Southwestern WI Bancshares Inc.
State charter, non-member · FDIC · 1 branch
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 under $1B in assets in WI (n=110 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
43
Asset Quality
54
Profitability
35
Liquidity
0
Efficiency
37
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.
Highland, WI · Cert 6198 · Southwestern WI Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Madison, WI · 2026 SOD (annual) · 0.1% share · #39 of 41 inst. · $0.0B of $30.1B
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 | 0.65% | 0.67% | 1.04% | 0.97% | 0.94% | 0.90% | 1.12% | 1.04% | +7 bps | |
| Return on Equity | 5.66% | 5.81% | 8.87% | 8.24% | 7.99% | 7.74% | 9.93% | 8.97% | +73 bps | |
| Net Interest Margin | 2.98% | 2.94% | 3.12% | 3.21% | 3.23% | 3.20% | 3.30% | 3.33% | +12 bps | |
| Efficiency Ratio | 77.32% | 76.35% | 67.45% | 68.05% | 68.48% | 69.82% | 67.30% | 67.03% | -102 bps | |
| Non-Interest Burden | 2.22% | 2.16% | 1.95% | 2.05% | 2.09% | 2.12% | 2.10% | 2.12% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.04% | 0.77% | 2.82% | 6.58% | 4.84% | 11.34% | 10.72% | 3.91% | -267 bps | |
| Loan Growth (YoY) | 14.02% | 4.64% | 1.55% | 2.86% | -2.84% | 1.07% | -1.81% | -7.67% | -1,053 bps | |
| Deposit Growth (YoY) | -0.66% | 0.27% | 2.42% | 6.71% | 4.68% | 12.09% | 11.40% | 3.50% | -321 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.16% | 2.25% | 2.31% | +231 bps | |
| Net Charge-Offs / Loans | -0.14% | -0.11% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 2.00% | 2.03% | 2.06% | 1.98% | 2.06% | 2.01% | 2.10% | 2.15% | +16 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 0.9x | 0.9x | 0.9x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.94% | 11.69% | 11.93% | 11.93% | 11.95% | 11.73% | 11.84% | 11.98% | +5 bps | |
| Total Risk-Based Capital | 11.94% | 11.69% | 11.93% | 11.93% | 11.95% | 11.73% | 11.84% | 11.98% | +5 bps | |
| Equity / Assets | 11.60% | 11.43% | 11.92% | 11.83% | 11.79% | 10.96% | 11.52% | 12.20% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 51.82% | 49.23% | 49.86% | 50.82% | 48.10% | 44.39% | 43.94% | 45.33% | -548 bps | |
| Liquid Assets / Assets | 47.90% | 50.31% | 50.09% | 49.61% | 52.88% | 55.49% | 55.78% | 55.01% | +540 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 20.08% | 33.57% | 32.68% | n/a | n/a | |
Highland, WI · Cert 6198 · Peer group: banks under $1B in assets in WI (n=110-113) · Southwestern WI Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
1.08%
Rank 69 of 113
Net Interest Margin
3.33%
Rank 74 of 113
Efficiency Ratio
67.03%
Rank 72 of 113
Equity / Assets
12.20%
Rank 38 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.08% | 0.85% | 1.17% | 1.51% | Beats 39% | 69 / 113 | ||
| Return on Equity | 8.84% | 7.70% | 10.77% | 13.67% | Beats 30% | 79 / 113 | ||
| Net Interest Margin | 3.33% | 3.19% | 3.59% | 3.89% | Beats 35% | 74 / 113 | ||
| Efficiency Ratio | 67.03% | 54.61% | 62.43% | 71.88% | Beats 37% | 72 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.31% | 0.03% | 0.24% | 0.91% | Beats 8% | 102 / 110 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 100% | 37 / 110 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.98% | 11.22% | 12.95% | 15.76% | Beats 35% | 74 / 113 | ||
| Total Risk-Based Capital Ratio | 11.98% | 11.57% | 13.59% | 16.73% | Beats 29% | 80 / 113 | ||
| Equity / Assets | 12.20% | 9.17% | 10.74% | 13.13% | Beats 66% | 38 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 45.33% | 76.54% | 86.37% | 98.93% | 3rd pctl | 109 / 112 | ||
| Loans / Assets | 39.12% | 63.07% | 71.33% | 78.84% | 4th pctl | 109 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||