Waldo, WI · Cert 8700
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Sheboygan, WI · 2026 SOD (annual) · 4.3% share · #9 of 13 inst. · $0.1B of $3.0B
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 | 0.79% | 1.17% | 0.97% | 0.55% | 0.80% | 0.40% | 0.65% | 0.71% | +16 bps | |
| Return on Equity | 8.15% | 12.39% | 10.66% | 6.07% | 8.57% | 4.22% | 6.81% | 7.27% | +120 bps | |
| Net Interest Margin | 3.13% | 3.36% | 3.34% | 3.16% | 3.10% | 3.16% | 3.24% | 3.29% | +13 bps | |
| Efficiency Ratio | 70.63% | 65.26% | 66.44% | 77.41% | 69.33% | 78.29% | 74.91% | 74.95% | -246 bps | |
| Non-Interest Burden | 2.13% | 1.90% | 2.12% | 2.39% | 2.06% | 2.40% | 2.33% | 2.32% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.78% | 12.52% | 20.13% | 20.74% | 10.93% | 6.09% | 0.51% | -1.00% | -2,174 bps | |
| Loan Growth (YoY) | 17.37% | 18.96% | 22.44% | 15.14% | 8.89% | -1.91% | -5.22% | -2.22% | -1,736 bps | |
| Deposit Growth (YoY) | 12.18% | 11.68% | 24.12% | 21.71% | 19.45% | 16.90% | 2.81% | 0.97% | -2,074 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.57% | 0.87% | 0.60% | 1.42% | 2.39% | 2.15% | 2.02% | 2.44% | +102 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.01% | -0.01% | -0.01% | -0.01% | 0.93% | -0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 0.88% | 0.82% | 0.82% | 0.84% | 0.85% | 0.72% | 0.77% | 0.81% | -3 bps | |
| Allowance Coverage of NPLs | 1.5x | 0.9x | 1.4x | 0.6x | 0.4x | 0.3x | 0.4x | 0.3x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.69% | 10.33% | 10.00% | 9.74% | 10.01% | 10.03% | 10.20% | 10.28% | +53 bps | |
| Total Risk-Based Capital | 10.69% | 10.33% | 10.00% | 9.74% | 10.01% | 10.03% | 10.20% | 10.28% | +53 bps | |
| Equity / Assets | 9.70% | 9.13% | 8.99% | 9.03% | 9.58% | 9.57% | 9.64% | 9.82% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.55% | 105.80% | 100.18% | 95.85% | 94.40% | 88.78% | 92.36% | 92.82% | -303 bps | |
| Liquid Assets / Assets | 0.70% | 0.31% | 0.26% | 0.16% | 0.34% | 0.46% | 1.62% | 0.72% | +55 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 245% | 236% | 234% | n/a | n/a | |