Platteville, WI · Cert 9037 · Mound Cty Finl Services Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in WI (n=110 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
76
Asset Quality
47
Profitability
64
Liquidity
69
Efficiency
75
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Platteville, WI · Cert 9037 · Mound Cty Finl Services Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Madison, WI · 2026 SOD (annual) · 0.4% share · #30 of 41 inst. · $0.1B of $30.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 0.85% | 1.27% | 1.20% | 1.32% | 1.31% | 1.56% | 1.67% | +47 bps | |
| Return on Equity | 7.47% | 7.54% | 11.03% | 10.31% | 11.20% | 11.03% | 12.90% | 13.59% | +328 bps | |
| Net Interest Margin | 2.42% | 2.49% | 2.79% | 2.95% | 3.02% | 3.13% | 3.34% | 3.47% | +52 bps | |
| Efficiency Ratio | 68.65% | 69.35% | 57.35% | 60.23% | 58.23% | 59.70% | 54.98% | 54.61% | -562 bps | |
| Non-Interest Burden | 1.41% | 1.47% | 1.22% | 1.44% | 1.40% | 1.50% | 1.40% | 1.46% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.45% | 6.16% | 4.58% | 3.43% | 2.42% | 8.84% | 7.92% | 6.74% | +331 bps | |
| Loan Growth (YoY) | 8.37% | 3.92% | 4.19% | 3.16% | 3.31% | 7.13% | 6.83% | 9.13% | +597 bps | |
| Deposit Growth (YoY) | 7.52% | 6.11% | 3.99% | 4.90% | 1.68% | 8.07% | 7.40% | 4.81% | -9 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.45% | 0.43% | 0.42% | 0.41% | 0.41% | 0.01% | 0.04% | 0.11% | -30 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | +1 bps | |
| Allowance / Loans | 1.49% | 1.49% | 1.48% | 1.47% | 1.45% | 1.40% | 1.39% | 1.35% | -12 bps | |
| Allowance Coverage of NPLs | 3.3x | 3.5x | 3.5x | 3.6x | 3.6x | 97.6x | 34.6x | 12.5x | +8.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.21% | 12.30% | 12.56% | 12.69% | 12.78% | 12.86% | 12.70% | 13.07% | +39 bps | |
| Total Risk-Based Capital | 16.89% | 17.09% | 17.45% | 17.56% | 17.55% | 17.53% | 18.02% | 17.97% | +42 bps | |
| Equity / Assets | 11.42% | 11.40% | 11.67% | 11.80% | 12.28% | 12.02% | 12.22% | 12.55% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.72% | 90.07% | 90.21% | 89.10% | 92.17% | 89.28% | 89.73% | 92.78% | +367 bps | |
| Liquid Assets / Assets | 3.92% | 1.96% | 3.30% | 4.48% | 1.16% | 2.54% | 2.85% | 1.26% | -322 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 231% | 238% | 238% | n/a | n/a | |
Platteville, WI · Cert 9037 · Peer group: banks under $1B in assets in WI (n=110-113) · Mound Cty Finl Services Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Return on Assets
1.66%
Rank 23 of 113
Net Interest Margin
3.47%
Rank 65 of 113
Efficiency Ratio
54.61%
Rank 29 of 113
Equity / Assets
12.55%
Rank 35 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.66% | 0.85% | 1.17% | 1.51% | Beats 80% | 23 / 113 | ||
| Return on Equity | 13.20% | 7.70% | 10.77% | 13.67% | Beats 70% | 34 / 113 | ||
| Net Interest Margin | 3.47% | 3.19% | 3.59% | 3.89% | Beats 42% | 65 / 113 | ||
| Efficiency Ratio | 54.61% | 54.61% | 62.43% | 71.88% | Beats 75% | 29 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.11% | 0.03% | 0.24% | 0.91% | Beats 61% | 44 / 110 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.01% | Beats 33% | 76 / 110 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.72% | 11.22% | 12.95% | 15.76% | Beats 78% | 25 / 113 | ||
| Total Risk-Based Capital Ratio | 17.97% | 11.57% | 13.59% | 16.73% | Beats 80% | 23 / 113 | ||
| Equity / Assets | 12.55% | 9.17% | 10.74% | 13.13% | Beats 69% | 35 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 92.78% | 76.54% | 86.37% | 98.93% | 64th pctl | 40 / 112 | ||
| Loans / Assets | 78.84% | 63.07% | 71.33% | 78.84% | 74th pctl | 29 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||