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 (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 | 0.97% | 0.87% | 1.27% | 1.13% | 1.55% | 1.28% | 1.56% | 1.77% | +64 bps | |
| Return on Equity | 8.66% | 7.65% | 11.03% | 9.62% | 12.92% | 10.53% | 12.90% | 14.30% | +469 bps | |
| Net Interest Margin | 2.55% | 2.74% | 2.79% | 3.15% | 3.28% | 3.59% | 3.34% | 3.62% | +47 bps | |
| Efficiency Ratio | 65.36% | 71.13% | 57.35% | 62.86% | 54.67% | 63.27% | 54.98% | 54.26% | -860 bps | |
| Non-Interest Burden | 1.36% | 1.66% | 1.22% | 1.67% | 1.39% | 1.85% | 1.40% | 1.53% | -14 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% | 0.02% | 0.01% | 0.00% | 0.01% | 0.01% | 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 | |