Spring Bank
Total assets
$440.7M
▲ +5.6% YoY
Deposits
$332.3M
▲ +4.9% YoY
Loans
$364.4M
▲ +3.9% YoY
Offices
1
ROA (annualized)
1.54%
peers 1.24%
ROE (annualized)
13.61%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Spring Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +4.4% | +1.2 pts |
| Deposit growth (YoY) | +4.9% | +4.0% | +0.9 pts |
| Loan growth (YoY) | +3.9% | +5.6% | -1.7 pts |
| ROA | 1.54% | 1.24% | +0.3 pts |
| ROE | 13.6% | 11.9% | +1.7 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
Profile
- Established
- 2008
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Commercial Lending Specialization
- Address
- 16620 W Bluemound Rd Ste 100a, Brookfield, WI, 53005
- County
- Waukesha
- Metro area
- Milwaukee-Waukesha, WI
- Offices
- 1
- FDIC cert #
- 58780
- RSSD ID
- 3721605
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $440.7M | $332.3M | $364.4M | $49.5M | $3.4M | 1.54% | 3.67% | 2.26% |
| Q1 2026 | $441.9M | $329.3M | $366.4M | $50.3M | $1.6M | 1.47% | 3.55% | 2.75% |
| Q4 2025 | $433.8M | $320.9M | $366.6M | $48.8M | $5.2M | 1.25% | 3.50% | 2.58% |
| Q3 2025 | $428.6M | $327.3M | $352.2M | $46.8M | $3.6M | 1.19% | 3.42% | 2.38% |
| Q2 2025 | $417.4M | $316.8M | $350.8M | $45.5M | $2.2M | 1.12% | 3.33% | 2.78% |
| Q1 2025 | $398.4M | $296.8M | $327.6M | $46.9M | $1.1M | 1.12% | 3.25% | 2.65% |
| Q4 2024 | $378.0M | $286.5M | $313.2M | $45.3M | $3.8M | 1.01% | 3.12% | 2.72% |
| Q3 2024 | $376.6M | $284.2M | $297.1M | $45.0M | $3.0M | 1.05% | 3.13% | 0.39% |
Loan mix (Q2 2026): real estate $299.4M · commercial $69.9M · consumer $10K · securities $37.6M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Spring Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.54% | 1.24% | — | |
Return on equity Annualized net income ÷ equity or net worth | 13.6% | 11.9% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.96% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.1% | 62.9% | — | |
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% |
Balance sheet
| Ratio | Spring Bank | 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% |
Capital
| Ratio | Spring Bank | 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% |
Credit quality
| Ratio | Spring Bank | 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% |
Franchise
| Ratio | Spring Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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