Iron River, WI · Cert 9036 · Security Bank Shares Inc.
State charter, non-member · FDIC · 1 affiliate bank · 3 branches (7 in holding)
Q2 2026
Market Position · Duluth, MN-WI · 2026 SOD (annual) · 0.2% share · #26 of 26 inst. · $0.0B of $6.6B
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 | -0.06% | 1.98% | 2.15% | 1.98% | 1.64% | 1.59% | 3.53% | 1.79% | -19 bps | |
| Return on Equity | -0.28% | 9.74% | 11.10% | 10.53% | 8.53% | 8.10% | 17.78% | 8.81% | -171 bps | |
| Net Interest Margin | 4.43% | 5.14% | 4.38% | 4.53% | 4.96% | 4.75% | 6.27% | 4.54% | 0 bps | |
| Efficiency Ratio | 80.65% | 60.33% | 51.64% | 47.29% | 62.31% | 61.33% | 39.07% | 50.70% | +341 bps | |
| Non-Interest Burden | 3.47% | 2.89% | 2.00% | 1.87% | 2.90% | 2.72% | 2.20% | 2.06% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.08% | 4.20% | 16.14% | 12.97% | 11.15% | 10.55% | 1.23% | -0.44% | -1,341 bps | |
| Loan Growth (YoY) | 14.72% | 5.35% | 10.21% | 18.57% | 13.78% | 13.91% | 4.59% | 8.79% | -977 bps | |
| Deposit Growth (YoY) | 1.78% | 2.68% | 18.33% | 14.70% | 13.00% | 11.38% | -0.61% | -2.77% | -1,747 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.07% | 0.58% | 0.59% | 1.62% | 0.53% | 0.57% | 0.41% | 0.37% | -126 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | 0.01% | 0.00% | -0.01% | 0.00% | 0.06% | 0.00% | 0 bps | |
| Allowance / Loans | 1.95% | 1.93% | 1.94% | 1.78% | 1.86% | 1.83% | 1.99% | 1.76% | -2 bps | |
| Allowance Coverage of NPLs | 1.8x | 3.3x | 3.3x | 1.1x | 3.5x | 3.2x | 4.8x | 4.8x | +3.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 20.82% | 20.98% | 19.78% | 20.33% | 20.08% | 20.06% | 19.69% | 21.38% | +105 bps | |
| Total Risk-Based Capital | 30.73% | 31.25% | 31.60% | 29.96% | 31.79% | 31.32% | 33.13% | 30.41% | +45 bps | |
| Equity / Assets | 20.34% | 20.40% | 18.40% | 19.21% | 19.33% | 19.96% | 19.73% | 20.89% | +168 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.96% | 76.42% | 68.48% | 77.88% | 74.47% | 78.16% | 72.06% | 87.14% | +926 bps | |
| Liquid Assets / Assets | 12.37% | 11.02% | 20.38% | 12.33% | 14.67% | 10.23% | 16.14% | 3.38% | -896 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 79.16% | 80.14% | 66.44% | n/a | n/a | |