| Metric | The Bank of Kaukauna | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +4.4% | +2.4 pts |
| Deposit growth (YoY) | +6.8% | +4.0% | +2.9 pts |
| Loan growth (YoY) | +12.2% | +5.6% | +6.6 pts |
| ROA | 1.11% | 1.24% | -0.1 pts |
| ROE | 13.9% | 11.9% | +2.1 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $176.3M | $152.9M | $130.6M | $14.3M | $979K | 1.11% | 4.15% | 0.00% |
| Q1 2026 | $166.9M | $144.2M | $125.0M | $14.0M | $421K | 0.95% | 4.04% | 0.00% |
| Q4 2025 | $188.1M | $165.5M | $122.1M | $13.9M | $1.9M | 1.10% | 3.89% | 0.00% |
| Q3 2025 | $175.2M | $153.0M | $116.2M | $13.5M | $1.4M | 1.10% | 3.87% | 0.00% |
| Q2 2025 | $165.1M | $143.2M | $116.5M | $13.0M | $918K | 1.10% | 3.80% | 0.07% |
| Q1 2025 | $170.3M | $148.8M | $116.7M | $12.6M | $454K | 1.08% | 3.70% | 0.21% |
| Q4 2024 | $165.9M | $151.3M | $116.6M | $12.2M | $1.6M | 1.02% | 3.72% | 0.15% |
| Q3 2024 | $155.7M | $141.4M | $115.6M | $12.2M | $957K | 0.86% | 3.65% | 0.00% |
Loan mix (Q2 2026): real estate $99.5M · commercial $32.5M · consumer $80K · securities $14.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Bank of Kaukauna | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 1.24% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 13.9% | 11.9% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.15% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.0% | 62.9% | 78th |
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 | The Bank of Kaukauna | 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 | The Bank of Kaukauna | 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 | The Bank of Kaukauna | 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 | The Bank of Kaukauna | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.