| Metric | Bank of Mauston | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +4.4% | +1.7 pts |
| Deposit growth (YoY) | +5.8% | +4.0% | +1.8 pts |
| Loan growth (YoY) | +1.8% | +5.6% | -3.8 pts |
| ROA | 2.57% | 1.24% | +1.3 pts |
| ROE | 19.6% | 11.9% | +7.7 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $426.7M | $367.7M | $243.1M | $57.2M | $5.4M | 2.57% | 3.58% | 0.11% |
| Q1 2026 | $419.8M | $362.4M | $241.1M | $55.5M | $2.4M | 2.27% | 3.45% | 0.01% |
| Q4 2025 | $427.0M | $370.9M | $245.6M | $54.2M | $10.3M | 2.54% | 3.37% | 0.01% |
| Q3 2025 | $404.0M | $347.1M | $236.0M | $53.6M | $7.4M | 2.47% | 3.51% | 0.00% |
| Q2 2025 | $402.4M | $347.6M | $238.7M | $51.8M | $4.9M | 2.42% | 3.46% | 0.00% |
| Q1 2025 | $395.7M | $343.1M | $233.8M | $50.0M | $2.2M | 2.18% | 3.29% | 0.00% |
| Q4 2024 | $404.2M | $352.2M | $231.2M | $48.6M | $7.2M | 1.79% | 2.84% | 0.00% |
| Q3 2024 | $404.0M | $336.3M | $228.9M | $47.9M | $5.5M | 1.82% | 2.75% | 0.00% |
Loan mix (Q2 2026): real estate $211.2M · commercial $29.3M · consumer $3.4M · securities $143.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Mauston | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.57% | 1.24% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 19.6% | 11.9% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.2% | 62.9% | 5th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of Mauston | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of Mauston | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of Mauston | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of Mauston | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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