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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.72% | 1.04% | 0.90% | 0.89% | 0.79% | 1.12% | 0.95% | +5 bps | |
| Return on Equity | 6.07% | 6.25% | 8.87% | 7.61% | 7.52% | 6.94% | 9.93% | 8.02% | +41 bps | |
| Net Interest Margin | 3.07% | 3.17% | 3.12% | 3.32% | 3.36% | 3.48% | 3.30% | 3.35% | +3 bps | |
| Efficiency Ratio | 73.80% | 73.64% | 67.45% | 68.62% | 69.33% | 73.44% | 67.30% | 66.75% | -188 bps | |
| Non-Interest Burden | 2.15% | 2.26% | 1.95% | 2.17% | 2.23% | 2.46% | 2.10% | 2.14% | -3 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 | 0.00% | 0.00% | 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 | |