Lake Mills, WI · Cert 8695
State charter, non-member · FDIC · 2 branches
Q2 2026
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 | 1.11% | 1.51% | 2.41% | 2.35% | 2.03% | 1.56% | 0.06% | 3.46% | +111 bps | |
| Return on Equity | 10.09% | 14.67% | 24.22% | 21.95% | 18.73% | 14.90% | 0.61% | 33.53% | +1,158 bps | |
| Net Interest Margin | 3.69% | 4.28% | 4.94% | 5.03% | 5.09% | 4.90% | 5.95% | 6.46% | +143 bps | |
| Efficiency Ratio | 68.09% | 63.38% | 52.03% | 51.03% | 56.49% | 56.05% | 97.54% | 29.31% | -2,171 bps | |
| Non-Interest Burden | 2.25% | 2.40% | 2.13% | 2.07% | 2.51% | 2.46% | 5.88% | 2.09% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.48% | 29.97% | 33.13% | 17.62% | 22.53% | 17.21% | 7.37% | 35.10% | +1,749 bps | |
| Loan Growth (YoY) | 24.21% | 40.85% | 39.66% | 18.88% | 17.74% | 19.95% | 8.33% | 43.52% | +2,464 bps | |
| Deposit Growth (YoY) | 6.18% | 29.79% | 34.05% | 31.04% | 55.48% | 23.82% | 8.20% | 32.61% | +157 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.07% | 0.17% | 0.16% | 0.76% | 0.91% | 1.05% | 0.55% | 0.69% | -7 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | 0.00% | 0.01% | -0.01% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 0.63% | 0.62% | 0.51% | 0.67% | 0.51% | 0.52% | 0.47% | 0.47% | -21 bps | |
| Allowance Coverage of NPLs | 8.4x | 3.7x | 3.1x | 0.9x | 0.6x | 0.5x | 0.9x | 0.7x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.46% | 11.30% | 10.45% | 11.70% | 11.95% | 11.53% | 10.07% | 11.24% | -45 bps | |
| Total Risk-Based Capital | 14.49% | 15.27% | 13.18% | 18.01% | 14.35% | 13.04% | 11.78% | 13.29% | -472 bps | |
| Equity / Assets | 10.17% | 10.39% | 9.58% | 12.11% | 9.88% | 11.07% | 9.89% | 10.74% | -136 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 126.13% | 106.14% | 114.67% | 98.69% | 95.51% | 102.82% | 114.80% | 106.81% | +812 bps | |
| Liquid Assets / Assets | 0.54% | 0.28% | 0.24% | 2.34% | 0.37% | 0.48% | 0.41% | 0.62% | -172 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 207% | 199.00% | 211% | n/a | n/a | |