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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.97% | 0.94% | 0.90% | 1.12% | 1.04% | +7 bps | |
| Return on Equity | 8.24% | 7.99% | 7.74% | 9.93% | 8.97% | +73 bps | |
| Net Interest Margin | 3.21% | 3.23% | 3.20% | 3.30% | 3.33% | +12 bps | |
| Efficiency Ratio | 68.05% | 68.48% | 69.82% | 67.30% | 67.03% | -102 bps | |
| Non-Interest Burden | 2.05% | 2.09% | 2.12% | 2.10% | 2.12% | +7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.58% | 4.84% | 11.34% | 10.72% | 3.91% | -267 bps | |
| Loan Growth (YoY) | 2.86% | -2.84% | 1.07% | -1.81% | -7.67% | -1,053 bps | |
| Deposit Growth (YoY) | 6.71% | 4.68% | 12.09% | 11.40% | 3.50% | -321 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 2.16% | 2.25% | 2.31% | +231 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.98% | 2.06% | 2.01% | 2.10% | 2.15% | +16 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 0.9x | 0.9x | 0.9x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.93% | 11.95% | 11.73% | 11.84% | 11.98% | +5 bps | |
| Total Risk-Based Capital | 11.93% | 11.95% | 11.73% | 11.84% | 11.98% | +5 bps | |
| Equity / Assets | 11.83% | 11.79% | 10.96% | 11.52% | 12.20% | +37 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 50.82% | 48.10% | 44.39% | 43.94% | 45.33% | -548 bps | |
| Liquid Assets / Assets | 49.61% | 52.88% | 55.49% | 55.78% | 55.01% | +540 bps | |
| CRE / Total Capital | n/a | 20.08% | 33.57% | 32.68% | n/a | n/a | |