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 | |