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AbbyBank

$100M-$1B Specialty: Commercial WI FDIC cert 19795

Abbotsford, WI

9 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 +4.2% year over year ($580.2M on the books).
  • Delinquency rate 1.35%.
  • Return on assets 0.86%.
  • Efficiency ratio 68.79% vs a 64.48% peer average.
  • Loan-to-deposit ratio 75.03% 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) →

AbbyBank faces 5 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 29.1% in tier
  • - ROA 0.46% below tier average
  • - Net Interest Margin 0.49% below tier average
  • - Efficiency Ratio 4.31% above tier average
  • - Delinquency Rate 0.43% above tier average
Get updates when AbbyBank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $662.2M
+0.4% YoY +1.8% QoQ
+$275.6M $386.6M
+1.2% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
Top 14.6% in tier
Total Loans ? $435.3M
+2.5% YoY +3.7% QoQ
+$177.0M $258.3M
+1.7% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
83%
Total Deposits ? $580.2M
+4.2% YoY +2.6% QoQ
+$253.5M $326.7M
+0.7% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
Top 13.4% in tier
Return on Assets ? 0.86%
+56.0% YoY +25.0% QoQ
-0.46% 1.32%
+10.8% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
27%
Net Interest Margin ? 3.49%
+13.4% YoY +4.0% QoQ
-0.49% 3.99%
+5.0% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
27%
Efficiency Ratio ? 68.79%
-8.6% YoY -4.0% QoQ
+4.31% 64.48%
-3.2% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
33%
Delinquency Rate ? 1.35%
-19.2% YoY -16.7% QoQ
+0.43% 0.92%
+15.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
21%
Loan-to-Deposit Ratio ? 75.03%
-1.6% YoY +1.1% QoQ
-2.92% 77.95%
+1.0% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
60%
Non-Interest-Bearing Deposit Share ? 25.58%
-0.3% YoY +8.1% QoQ
+3.55% 22.03%
-0.6% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
68%
Nonperforming Asset Ratio ? 0.98%
-16.2% YoY -14.1% QoQ
+0.31% 0.67%
+16.4% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
21%
Tier 1 Capital Ratio ? 12.76%
+3.9% YoY -0.2% QoQ
-3.15% 15.91%
+1.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
45%
Non-Interest Income / Assets ? 0.17%
+34.0% YoY +114.4% QoQ
-0.39% 0.57%
+7.6% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
42%

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 25.6%
-0.1pp YoY
+1.9pp QoQ
 +3.4pp 22.1% 18.9% 22.2% 68%
Brokered Deposits 0.0%
-0.6pp YoY
0.0pp QoQ
 -7.9pp 7.9% 9.2% 8.5% 0%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
C&I 6.5%
-1.2pp YoY
-0.5pp QoQ
 -5.0pp 11.6% 10.5% 12.5% 29%
CRE 50.3%
+1.0pp YoY
+1.4pp QoQ
 +10.7pp 39.5% 46.4% 41.4% 70%
1-4 Family 21.1%
0.0pp YoY
0.0pp QoQ
 -11.5pp 32.6% 32.3% 31.3% 32%
Consumer 0.2%
-0.1pp YoY
0.0pp QoQ
 -3.9pp 4.1% 2.6% 5.0% 8%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio 12.8%
+0.5pp YoY
0.0pp QoQ
 -6.1pp 18.8% 15.5% 19.7% 24%
Leverage Ratio 9.4%
+0.5pp YoY
+0.1pp QoQ
 -2.7pp 12.2% 12.6% 12.6% 20%
Total Capital Ratio 13.8%
+0.5pp YoY
-0.1pp QoQ
 -6.2pp 19.9% 16.6% 20.8% 24%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 108
+2 (+1.9%) YoY
-1 (-0.9%) QoQ
 +49 58 134 482 89%
Assets per Employee ($) $6.1M
-1.5% YoY
+2.7% QoQ
 -$1.4M $7.5M $8.2M $8.8M 36%
Branch Count 9
0 YoY
0 QoQ
 +4 4 9 18 86%

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 1.4%
+0.1pp YoY
-0.2pp QoQ
 +0.4pp 0.9% 0.9% 1.0% 79%
Allowance Coverage 0.85x
+23.3% YoY
+15.8% QoQ
 -23.31x 24.15x 56.89x 20.23x 22%
Net Charge-off Rate (YTD) -0.0%
-0.1pp 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 11.0%
+2.8pp YoY
+2.1pp QoQ
 -1.2pp 12.2% 11.8% 11.6% 43%
Cost of Funds (YTD) 1.7%
-0.3pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.8% 1.7% 47%
Net Income ($, YTD) $2.8M
+56.4% YoY
— QoQ
 +$274K $2.6M $7.9M $40.4M 67%

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 (0)

No matched strength signatures this quarter

Concerns (1)

Flatlined Growth

risk
#155 of 529 • Bottom 29.1% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.86%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank declining

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 (3 metrics)

356
Total Deposits
size
Value: $580.21M
Peer Median: $326.73M
#356 of 2643 Top 13.4% in $100M-$1B
387
Total Assets
size
Value: $662.20M
Peer Median: $386.57M
#387 of 2643 Top 14.6% in $100M-$1B
463
Total Loans
size
Value: $435.32M
Peer Median: $258.35M
#463 of 2643 Top 17.5% in $100M-$1B

Top Weaknesses (2 metrics)

2089
Delinquency Rate
credit_quality
Value: 1.35%
Peer Median: 0.92%
#2089 of 2633 Bottom 20.7% in $100M-$1B
2095
Nonperforming Asset Ratio
credit_quality
Value: 0.98%
Peer Median: 0.67%
#2095 of 2643 Bottom 20.8% in $100M-$1B
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