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DMB Community Bank

$100M-$1B Specialty: Commercial WI FDIC cert 14769

Madison, WI

2 branches across WI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 110 in WI.
  • Deposits +3.0% year over year ($583.6M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 0.57%.
  • Efficiency ratio 67.66% vs a 64.48% peer average.
  • Loan-to-deposit ratio 112.44% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 110 in WI
View $100M-$1B leaderboard (WI) →

DMB Community Bank has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 29.7% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 21.0% in tier
  • - Net Interest Margin 2.02% below tier average
  • - Non-Interest-Bearing Deposit Share 12.40% below tier average
  • - ROA 0.76% below tier average
  • - Efficiency Ratio 3.18% above tier average
Get updates when DMB Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $835.0M
+2.5% YoY +0.5% QoQ
+$448.5M $386.6M
+1.2% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
Top 6.4% in tier
Total Loans ? $656.2M
+5.2% YoY -0.4% QoQ
+$397.9M $258.3M
+1.7% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
Top 3.7% in tier
Total Deposits ? $583.6M
+3.0% YoY +0.6% QoQ
+$256.9M $326.7M
+0.7% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
Top 13.2% in tier
Return on Assets ? 0.57%
+146.3% YoY +3.2% QoQ
-0.76% 1.32%
+10.8% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
Bottom 14.1% in tier
Net Interest Margin ? 1.96%
+40.9% YoY +0.3% QoQ
-2.02% 3.99%
+5.0% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
Bottom 0.8% in tier
Efficiency Ratio ? 67.66%
-18.8% YoY -2.7% QoQ
+3.18% 64.48%
-3.2% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
35%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 112.44%
+2.1% YoY -1.0% QoQ
+34.49% 77.95%
+1.0% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
Bottom 2.2% in tier
Non-Interest-Bearing Deposit Share ? 9.63%
-9.0% YoY +4.5% QoQ
-12.40% 22.03%
-0.6% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
Bottom 9.8% in tier
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 16.15%
-4.9% YoY +1.5% QoQ
+0.24% 15.91%
+1.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
73%
Non-Interest Income / Assets ? 0.08%
-1.0% YoY +108.6% QoQ
-0.49% 0.57%
+7.6% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
Bottom 12.4% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Noninterest-Bearing 9.6%
-1.0pp YoY
+0.4pp QoQ
 -12.5pp 22.1% 18.9% 22.2% 9%
Brokered Deposits 15.9%
-8.4pp YoY
-8.5pp QoQ
 +8.1pp 7.9% 9.2% 8.5% 86%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
C&I 0.2%
-0.1pp YoY
0.0pp QoQ
 -11.4pp 11.6% 10.5% 12.5% 1%
CRE 82.4%
+1.3pp YoY
-0.3pp QoQ
 +42.9pp 39.5% 46.4% 41.4% 98%
1-4 Family 15.2%
-1.3pp YoY
+0.2pp QoQ
 -17.4pp 32.6% 32.3% 31.3% 20%
Consumer 0.1%
0.0pp YoY
0.0pp QoQ
 -4.0pp 4.1% 2.6% 5.0% 7%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio 16.1%
-0.8pp YoY
+0.2pp QoQ
 -2.7pp 18.8% 15.5% 19.7% 59%
Leverage Ratio 11.0%
0.0pp YoY
+0.3pp QoQ
 -1.2pp 12.2% 12.6% 12.6% 50%
Total Capital Ratio 17.4%
-0.8pp YoY
+0.2pp QoQ
 -2.5pp 19.9% 16.6% 20.8% 59%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 37
-2 (-5.1%) YoY
-2 (-5.1%) QoQ
 -22 58 134 482 37%
Assets per Employee ($) $22.6M
+8.1% YoY
+5.9% QoQ
 +$15.1M $7.5M $8.2M $8.8M 100%
Branch Count 2
0 YoY
0 QoQ
 -3 4 9 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual n/a n/a 0.9% 0.9% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 56.89x 20.23x n/a
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.0% 0.2% 27%

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 5.3%
+3.1pp YoY
+0.2pp QoQ
 -6.9pp 12.2% 11.8% 11.6% 15%
Cost of Funds (YTD) 2.9%
-0.2pp YoY
0.0pp QoQ
 +1.2pp 1.7% 1.8% 1.7% 96%
Net Income ($, YTD) $2.3M
+155.5% YoY
— QoQ
 -$207K $2.6M $7.9M $40.4M 59%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#197 of 659 • Top 29.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk
#157 of 742 • Bottom 21.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 16.15%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 112.44%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
100
Total Loans
size
Value: $656.25M
Peer Median: $258.35M
#100 of 2643 Top 3.7% in $100M-$1B
169
Total Assets
size
Value: $835.04M
Peer Median: $386.57M
#169 of 2643 Top 6.4% in $100M-$1B
351
Total Deposits
size
Value: $583.62M
Peer Median: $326.73M
#351 of 2643 Top 13.2% in $100M-$1B

Top Weaknesses (5 metrics)

2623
Net Interest Margin
profitability
Value: 1.96%
Peer Median: 3.99%
#2623 of 2643 Bottom 0.8% in $100M-$1B
2586
Loan-to-Deposit Ratio
liquidity
Value: 112.44%
Peer Median: 77.95%
#2586 of 2643 Bottom 2.2% in $100M-$1B
2386
Non-Interest-Bearing Deposit Share
funding
Value: 9.63%
Peer Median: 22.03%
#2386 of 2643 Bottom 9.8% in $100M-$1B
2315
Non-Interest Income / Assets
revenue_mix
Value: 0.08%
Peer Median: 0.57%
#2315 of 2643 Bottom 12.4% in $100M-$1B
2272
Return on Assets
profitability
Value: 0.57%
Peer Median: 1.32%
#2272 of 2643 Bottom 14.1% in $100M-$1B
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