Bank of Lake Mills
Lake Mills, WI · Cert 8695 · Peer group: banks under $1B in assets in WI (n=110-113)
State charter, non-member · FDIC · 2 branches
Q2 2026
$533.8MAssets
$461.7MLoans
$432.3MDeposits
$57.3MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 99% of banks under $1B in assets in WI (rank 1 of 113).
- Widest gap: nonperforming loans / loans trails 70% of banks under $1B in assets in WI (rank 78 of 110).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.75%
Rank 17 of 113
Net Interest Margin
6.30%
Rank 1 of 113
Efficiency Ratio
52.39%
Rank 25 of 113
Equity / Assets
10.74%
Rank 57 of 113
Non-interest income vs. expense
Unfavorable gap of $21.9M · efficiency ratio beats 79% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.75% | 0.85% | 1.17% | 1.51% | Beats 85% | 17 / 113 | |
| Return on Equity | 16.33% | 7.70% | 10.77% | 13.67% | Beats 89% | 12 / 113 | |
| Net Interest Margin | 6.30% | 3.19% | 3.59% | 3.89% | Beats 99% | 1 / 113 | |
| Efficiency Ratio | 52.39% | 54.61% | 62.43% | 71.88% | Beats 79% | 25 / 113 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.69% | 0.03% | 0.24% | 0.91% | Beats 30% | 78 / 110 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 42% | 67 / 110 | |
| Capital |
| Tier 1 Capital Ratio | 12.81% | 11.22% | 12.95% | 15.76% | Beats 49% | 58 / 113 | |
| Total Risk-Based Capital Ratio | 13.29% | 11.57% | 13.59% | 16.73% | Beats 44% | 63 / 113 | |
| Equity / Assets | 10.74% | 9.17% | 10.74% | 13.13% | Beats 50% | 57 / 113 | |
| Liquidity & Funding |
| Loans / Deposits | 106.81% | 76.54% | 86.37% | 98.93% | 88th pctl | 13 / 112 | |
| Loans / Assets | 86.50% | 63.07% | 71.33% | 78.84% | 94th pctl | 7 / 113 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |