Augusta, WI · Cert 8714 · Kimberly Leasing Corp.
State charter, non-member · FDIC · 13 branches
Q2 2026
Market Position · Eau Claire, WI · 2026 SOD (annual) · 3.2% share · #11 of 22 inst. · $0.1B of $3.7B
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 | 0.62% | 0.70% | 0.33% | -1.60% | 0.36% | -3.58% | 0.04% | 0.01%1 | +161 bps | |
| Return on Equity | 6.43% | 7.24% | 3.46% | -17.45% | 3.86% | -39.64% | 0.42% | 0.10% | +1,755 bps | |
| Net Interest Margin | 3.66% | 3.78% | 3.43% | 3.80% | 3.72% | 3.57% | 3.67% | 3.67% | -12 bps | |
| Efficiency Ratio | 76.83% | 80.04% | 87.44% | 75.75% | 81.31% | 88.70% | 93.38% | 94.88% | +1,912 bps | |
| Non-Interest Burden | 2.71% | 2.96% | 2.96% | 2.79% | 2.95% | 3.13% | 3.40% | 3.47% | +67 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.34% | 3.66% | 2.59% | -0.24% | -4.58% | -4.02% | -7.71% | -7.90% | -766 bps | |
| Loan Growth (YoY) | 0.02% | -4.48% | -7.61% | -6.86% | -7.89% | -4.49% | -7.99% | -9.58% | -271 bps | |
| Deposit Growth (YoY) | 5.25% | 1.75% | 4.74% | 2.90% | -2.55% | -0.84% | -6.14% | -6.64% | -953 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.99% | 4.13% | 4.97% | 6.55% | 7.46% | 7.35% | 8.02% | 8.39% | +184 bps | |
| Net Charge-Offs / Loans | 1.75% | 0.02% | -0.07% | 0.29% | 1.07% | 0.14% | 0.83% | 0.26% | -4 bps | |
| Allowance / Loans | 1.14% | 1.16% | 1.22% | 1.99% | 1.87% | 3.14% | 3.18% | 3.25% | +125 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.3x | 0.2x | 0.3x | 0.3x | 0.4x | 0.4x | 0.4x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.64% | 9.62% | 9.08% | 8.86% | 9.17% | 8.31% | 8.49% | 8.78% | -8 bps | |
| Total Risk-Based Capital | 13.33% | 14.00% | 13.60% | 13.05% | 13.49% | 12.67% | 13.18% | 13.44% | +39 bps | |
| Equity / Assets | 9.71% | 9.68% | 9.27% | 9.10% | 9.51% | 8.56% | 8.86% | 9.04% | -6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.79% | 90.94% | 87.84% | 88.49% | 89.60% | 87.60% | 86.12% | 85.70% | -279 bps | |
| Liquid Assets / Assets | 4.71% | 8.19% | 9.39% | 7.75% | 7.47% | 8.83% | 9.70% | 6.15% | -160 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 372% | 410% | 412% | n/a | n/a | |