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John Deere Financial, f.s.b.

$1B-$10B Specialty: Agricultural WI FDIC cert 35237

Middleton, 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 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in WI.
  • Deposits +2.4% year over year ($1.6B on the books).
  • Delinquency rate 0.27%.
  • Return on assets 3.11%.
  • Efficiency ratio 24.77% vs a 59.73% peer average.
  • Loan-to-deposit ratio 314.07% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 30 in WI
View $1B-$10B leaderboard (WI) →

John Deere Financial, f.s.b. has 5 strengths but faces 2 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

  • + Profitability Leader: Top 3.2% in tier
  • + Revenue Diversifier: Top 14.0% in tier
  • + Net Interest Margin 2.24% above tier average
  • + Efficiency Ratio 34.96% below tier average
  • + Delinquency Rate 0.59% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 9.3% in tier
  • - Non-Interest-Bearing Deposit Share 20.67% below tier average
Get updates when John Deere Financial, f.s.b. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $4.9B
+8.7% YoY +20.2% QoQ
+$2.1B $2.8B
-0.6% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
Top 14.6% in tier
Total Loans ? $4.9B
+8.6% YoY +21.3% QoQ
+$2.9B $2.0B
-0.3% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
Top 7.0% in tier
Total Deposits ? $1.6B
+2.4% YoY +14.9% QoQ
-$757.0M $2.3B
-0.5% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
47%
Return on Assets ? 3.11%
+80.6% YoY -38.8% QoQ
+1.72% 1.39%
+17.0% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
Top 2.0% in tier
Net Interest Margin ? 6.11%
-2.9% YoY -0.2% QoQ
+2.24% 3.87%
+6.2% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
Top 2.3% in tier
Efficiency Ratio ? 24.77%
-3.4% YoY -6.9% QoQ
-34.96% 59.73%
-12.6% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
Top 1.1% in tier
Delinquency Rate ? 0.27%
-6.4% YoY -70.3% QoQ
-0.59% 0.87%
+11.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
72%
Loan-to-Deposit Ratio ? 314.07%
+6.1% YoY +5.5% QoQ
+229.04% 85.04%
-0.1% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
Bottom 0.1% in tier
Non-Interest-Bearing Deposit Share ? 0.60%
-3.6% YoY -34.5% QoQ
-20.67% 21.27%
-1.5% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
Bottom 1.0% in tier
Nonperforming Asset Ratio ? 0.27%
-6.4% YoY -70.1% QoQ
-0.40% 0.67%
+11.7% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
65%
Tier 1 Capital Ratio ? 19.36%
+3.8% YoY -21.4% QoQ
+4.52% 14.84%
-0.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
Top 8.7% in tier
Non-Interest Income / Assets ? 0.77%
-6.7% YoY +85.0% QoQ
+0.24% 0.53%
+2.5% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
Top 9.4% 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 0.6%
0.0pp YoY
-0.3pp QoQ
 -20.8pp 21.4% 18.9% 22.2% 0%
Brokered Deposits n/a n/a 9.5% 9.2% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
C&I 3.9%
-0.1pp YoY
-0.3pp QoQ
 -10.1pp 14.0% 10.5% 12.5% 13%
CRE n/a n/a 50.0% 46.4% 41.4% n/a
1-4 Family n/a n/a 26.4% 32.3% 31.3% n/a
Consumer 11.7%
-1.6pp YoY
-0.9pp QoQ
 +7.0pp 4.7% 2.6% 5.0% 90%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 15.5% 19.7% n/a
Leverage Ratio 19.4%
+0.7pp YoY
-5.3pp QoQ
 +8.0pp 11.3% 12.6% 12.6% 98%
Total Capital Ratio n/a n/a 16.7% 16.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 87
-8 (-8.4%) YoY
-1 (-1.1%) QoQ
 -227 313 134 482 5%
Assets per Employee ($) $56.7M
+18.7% YoY
+21.5% QoQ
 +$46.2M $10.5M $8.2M $8.8M 100%
Branch Count 1
0 YoY
0 QoQ
 -19 20 9 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.4% 0.4% n/a
Nonaccrual 0.3%
0.0pp YoY
-0.6pp QoQ
 -0.6pp 0.8% 0.9% 1.0% 28%
Allowance Coverage 0.52x
-43.4% YoY
+231.0% QoQ
 -18.19x 18.71x 56.89x 20.23x 7%
Net Charge-off Rate (YTD) 2.4%
-1.6pp YoY
+2.0pp QoQ
 +2.1pp 0.3% 0.0% 0.2% 98%

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 15.0%
+6.6pp YoY
-7.5pp QoQ
 +2.4pp 12.6% 11.8% 11.6% 74%
Cost of Funds (YTD) 3.5%
-0.2pp YoY
+0.2pp QoQ
 +1.6pp 1.9% 1.8% 1.7% 99%
Net Income ($, YTD) $64.6M
+90.9% YoY
— QoQ
 +$45.3M $19.2M $7.9M $40.4M 96%

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 (2)

Profitability Leader

growth
#8 of 222 • Top 3.2% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 3.11%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Revenue Diversifier

growth
#32 of 222 • Top 14.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.77%
(Tier: 0.53%, National: 0.66%)
better than tier avg
Return on Assets: 3.11%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (1)

Liquidity Overhang

risk
#17 of 172 • Bottom 9.3% 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: 19.36%
(Tier: 14.84%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 314.07%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
172 of 172 Mid-Market banks match · 940 nationally
→ Stable +7 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 885 peers in $1B-$10B

Top Strengths (7 metrics)

11
Efficiency Ratio
profitability
Value: 24.77%
Peer Median: 59.73%
#11 of 885 Top 1.1% in $1B-$10B
19
Return on Assets
profitability
Value: 3.11%
Peer Median: 1.39%
#19 of 885 Top 2.0% in $1B-$10B
21
Net Interest Margin
profitability
Value: 6.11%
Peer Median: 3.87%
#21 of 885 Top 2.3% in $1B-$10B
63
Total Loans
size
Value: $4.91B
Peer Median: $1.96B
#63 of 885 Top 7.0% in $1B-$10B
78
Tier 1 Capital Ratio
capital
Value: 19.36%
Peer Median: 14.84%
#78 of 885 Top 8.7% in $1B-$10B
84
Non-Interest Income / Assets
revenue_mix
Value: 0.77%
Peer Median: 0.53%
#84 of 885 Top 9.4% in $1B-$10B
130
Total Assets
size
Value: $4.93B
Peer Median: $2.79B
#130 of 885 Top 14.6% in $1B-$10B

Top Weaknesses (2 metrics)

885
Loan-to-Deposit Ratio
liquidity
Value: 314.07%
Peer Median: 85.04%
#885 of 885 Bottom 0.1% in $1B-$10B
877
Non-Interest-Bearing Deposit Share
funding
Value: 0.60%
Peer Median: 21.27%
#877 of 885 Bottom 1.0% in $1B-$10B
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