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First Federal Bank of Wisconsin

$100M-$1B Specialty: Commercial WI FDIC cert 30422

Waukesha, WI

5 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 +0.8% year over year ($205.9M on the books).
  • Delinquency rate 0.02%.
  • Return on assets 0.98%.
  • Efficiency ratio 74.91% vs a 64.48% peer average.
  • Loan-to-deposit ratio 108.24% 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) →

First Federal Bank of Wisconsin 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 15.8% in tier
  • + Net Interest Margin 0.83% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 3.3% in tier
  • - Liquidity Overhang: Bottom 4.7% in tier
  • - Credit Risk Growth: Bottom 12.4% in tier
  • - ROA 0.34% below tier average
  • - Efficiency Ratio 10.43% above tier average
Get updates when First Federal Bank of Wisconsin releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $285.9M
+4.2% YoY +2.6% QoQ
-$100.7M $386.6M
+1.2% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
43%
Total Loans ? $222.9M
+4.9% YoY +5.1% QoQ
-$35.5M $258.3M
+1.7% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
53%
Total Deposits ? $205.9M
+0.8% YoY -2.7% QoQ
-$120.8M $326.7M
+0.7% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
35%
Return on Assets ? 0.98%
+19.1% YoY +5.1% QoQ
-0.34% 1.32%
+10.8% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
33%
Net Interest Margin ? 4.82%
+11.5% YoY +2.0% QoQ
+0.83% 3.99%
+5.0% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
Top 11.5% in tier
Efficiency Ratio ? 74.91%
-2.7% YoY -1.0% QoQ
+10.43% 64.48%
-3.2% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
21%
Delinquency Rate ? 0.02%
-7.5% QoQ
-0.90% 0.92%
+15.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
85%
Loan-to-Deposit Ratio ? 108.24%
+4.1% YoY +8.0% QoQ
+30.29% 77.95%
+1.0% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
Bottom 3.9% in tier
Non-Interest-Bearing Deposit Share ? 26.63%
+12.6% YoY +8.2% QoQ
+4.60% 22.03%
-0.6% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
72%
Nonperforming Asset Ratio ? 0.01%
-5.3% QoQ
-0.66% 0.67%
+16.4% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
Top 14.2% in tier
Tier 1 Capital Ratio ? 25.34%
-5.1% YoY -1.8% QoQ
+9.43% 15.91%
+1.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
Top 6.6% in tier
Non-Interest Income / Assets ? 0.18%
+2.7% YoY +103.3% QoQ
-0.39% 0.57%
+7.6% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
44%

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 26.6%
+3.0pp YoY
+2.0pp QoQ
 +4.5pp 22.1% 18.9% 22.2% 72%
Brokered Deposits 9.7%
+2.4pp YoY
+2.6pp QoQ
 +1.9pp 7.9% 9.2% 8.5% 74%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
C&I 16.9%
+4.1pp YoY
+4.8pp QoQ
 +5.4pp 11.6% 10.5% 12.5% 82%
CRE 68.2%
-2.4pp YoY
-4.8pp QoQ
 +28.6pp 39.5% 46.4% 41.4% 92%
1-4 Family 16.4%
-1.7pp YoY
0.0pp QoQ
 -16.3pp 32.6% 32.3% 31.3% 22%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.1pp 4.1% 2.6% 5.0% 1%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio 25.3%
-1.4pp YoY
-0.5pp QoQ
 +6.5pp 18.8% 15.5% 19.7% 89%
Leverage Ratio 22.5%
-0.5pp YoY
+0.4pp QoQ
 +10.4pp 12.2% 12.6% 12.6% 97%
Total Capital Ratio 26.6%
-1.4pp YoY
-0.5pp QoQ
 +6.7pp 19.9% 16.6% 20.8% 89%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 51
+2 (+4.1%) YoY
0 QoQ
 -8 58 134 482 54%
Assets per Employee ($) $5.6M
+0.1% YoY
+2.6% QoQ
 -$1.9M $7.5M $8.2M $8.8M 25%
Branch Count 5
-2 (-28.6%) YoY
-2 (-28.6%) QoQ
 0 4 9 18 55%

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 0.0%
0.0pp QoQ
 -0.9pp 0.9% 0.9% 1.0% 4%
Allowance Coverage 86.00x
+7.8% QoQ
 +61.85x 24.15x 56.89x 20.23x 96%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
 -0.1pp 0.1% 0.0% 0.2% 27%

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 4.4%
+0.9pp YoY
+0.2pp QoQ
 -7.8pp 12.2% 11.8% 11.6% 12%
Cost of Funds (YTD) 1.3%
-0.2pp YoY
0.0pp QoQ
 -0.5pp 1.7% 1.8% 1.7% 22%
Net Income ($, YTD) $1.4M
+16.9% YoY
— QoQ
 -$1.2M $2.6M $7.9M $40.4M 38%

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
#105 of 659 • Top 15.8% in tier

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

Why this signature
Delinquency Rate: 0.02%
(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 (3)

Credit Quality Pressure

risk
#42 of 1256 • Bottom 3.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.02%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Liquidity Overhang

risk
#36 of 742 • Bottom 4.7% 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: 25.34%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 108.24%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#117 of 936 • Bottom 12.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 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 (4 metrics)

175
Tier 1 Capital Ratio
capital
Value: 25.34%
Peer Median: 15.91%
#175 of 2643 Top 6.6% in $100M-$1B
306
Net Interest Margin
profitability
Value: 4.82%
Peer Median: 3.99%
#306 of 2643 Top 11.5% in $100M-$1B
377
Nonperforming Asset Ratio
credit_quality
Value: 0.01%
Peer Median: 0.67%
#377 of 2643 Top 14.2% in $100M-$1B
402
Delinquency Rate
credit_quality
Value: 0.02%
Peer Median: 0.92%
#402 of 2633 Top 15.2% in $100M-$1B

Top Weaknesses (2 metrics)

2540
Loan-to-Deposit Ratio
liquidity
Value: 108.24%
Peer Median: 77.95%
#2540 of 2643 Bottom 3.9% in $100M-$1B
2102
Efficiency Ratio
profitability
Value: 74.91%
Peer Median: 64.48%
#2102 of 2643 Bottom 20.5% in $100M-$1B
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