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Bank of Lake Mills

$100M-$1B Specialty: Consumer WI FDIC cert 8695

Lake Mills, 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 +32.6% year over year ($432.3M on the books).
  • Delinquency rate 0.69%.
  • Return on assets 2.30%.
  • Efficiency ratio 52.39% vs a 64.48% peer average.
  • Loan-to-deposit ratio 106.31% 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) →

Bank of Lake Mills has 4 strengths but faces 3 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

  • + Return on Assets 0.98% above tier average
  • + Net Interest Margin 2.98% above tier average
  • + Efficiency Ratio 12.09% below tier average
  • + Delinquency Rate 0.23% below tier average

Key Concerns

Areas that may need attention

  • - NIB Deposit Bleed: Bottom 37.0% in tier
  • - Loan-to-Deposit Ratio 28.36% above tier average
  • - Non-Interest Income / Assets 1.39% below tier average
Get updates when Bank of Lake Mills releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $533.8M
+35.1% YoY +0.7% QoQ
+$147.2M $386.6M
+1.2% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
75%
Total Loans ? $459.6M
+43.8% YoY +0.3% QoQ
+$201.2M $258.3M
+1.7% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
Top 14.9% in tier
Total Deposits ? $432.3M
+32.6% YoY +7.8% QoQ
+$105.5M $326.7M
+0.7% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
73%
Return on Assets ? 2.30%
-23.8% YoY
+0.98% 1.32%
+10.8% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
Top 7.1% in tier
Net Interest Margin ? 6.96%
+21.0% YoY +1.0% QoQ
+2.98% 3.99%
+5.0% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
Top 0.4% in tier
Efficiency Ratio ? 52.39%
+1.6% YoY -46.3% QoQ
-12.09% 64.48%
-3.2% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
78%
Delinquency Rate ? 0.69%
-9.3% YoY +26.1% QoQ
-0.23% 0.92%
+15.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
38%
Loan-to-Deposit Ratio ? 106.31%
+8.4% YoY -7.0% QoQ
+28.36% 77.95%
+1.0% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
Bottom 5.2% in tier
Non-Interest-Bearing Deposit Share ? 13.79%
-18.7% YoY +0.3% QoQ
-8.24% 22.03%
-0.6% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
20%
Nonperforming Asset Ratio ? 0.60%
-3.5% YoY +25.6% QoQ
-0.07% 0.67%
+16.4% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
34%
Tier 1 Capital Ratio ? 12.81%
-25.8% YoY +13.1% QoQ
-3.10% 15.91%
+1.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
45%
Non-Interest Income / Assets ? -0.82%
-241.9% YoY -8.6% QoQ
-1.39% 0.57%
+7.6% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
Bottom 0.1% 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 13.8%
-3.2pp YoY
0.0pp QoQ
 -8.4pp 22.1% 18.9% 22.2% 20%
Brokered Deposits 31.4%
+12.8pp YoY
+5.0pp QoQ
 +23.5pp 7.9% 9.2% 8.5% 97%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
C&I 0.4%
-0.4pp YoY
0.0pp QoQ
 -11.2pp 11.6% 10.5% 12.5% 2%
CRE 25.8%
-7.6pp YoY
+0.1pp QoQ
 -13.7pp 39.5% 46.4% 41.4% 28%
1-4 Family 25.6%
-9.4pp YoY
+1.0pp QoQ
 -7.0pp 32.6% 32.3% 31.3% 42%
Consumer 48.4%
+17.4pp YoY
-1.1pp QoQ
 +44.2pp 4.1% 2.6% 5.0% 99%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio 12.8%
-4.5pp YoY
+1.5pp QoQ
 -6.0pp 18.8% 15.5% 19.7% 25%
Leverage Ratio 11.2%
-0.5pp YoY
+1.2pp QoQ
 -0.9pp 12.2% 12.6% 12.6% 54%
Total Capital Ratio 13.3%
-4.7pp YoY
+1.5pp QoQ
 -6.6pp 19.9% 16.6% 20.8% 19%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 39
0 YoY
0 QoQ
 -20 58 134 482 40%
Assets per Employee ($) $13.7M
+35.1% YoY
+0.7% QoQ
 +$6.2M $7.5M $8.2M $8.8M 96%
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 0.3%
-0.1pp YoY
+0.2pp QoQ
 -0.1pp 0.3% 0.4% 0.4% 71%
Nonaccrual 0.4%
0.0pp YoY
-0.1pp QoQ
 -0.5pp 0.9% 0.9% 1.0% 49%
Allowance Coverage 0.68x
-23.7% YoY
-21.2% QoQ
 -23.48x 24.15x 56.89x 20.23x 17%
Net Charge-off Rate (YTD) 0.0%
0.0pp QoQ
 -0.1pp 0.1% 0.0% 0.2% 38%

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 21.8%
-6.7pp YoY
+21.1pp QoQ
 +9.6pp 12.2% 11.8% 11.6% 92%
Cost of Funds (YTD) 2.9%
-0.3pp YoY
-0.1pp QoQ
 +1.2pp 1.7% 1.8% 1.7% 97%
Net Income ($, YTD) $6.0M
-9.4% YoY
— QoQ
 +$3.4M $2.6M $7.9M $40.4M 92%

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)

NIB Deposit Bleed

decline
#61 of 162 • Bottom 37.0% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 13.79%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 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)

12
Net Interest Margin
profitability
Value: 6.96%
Peer Median: 3.99%
#12 of 2643 Top 0.4% in $100M-$1B
189
Return on Assets
profitability
Value: 2.30%
Peer Median: 1.32%
#189 of 2643 Top 7.1% in $100M-$1B
394
Total Loans
size
Value: $459.57M
Peer Median: $258.35M
#394 of 2643 Top 14.9% in $100M-$1B
570
Efficiency Ratio
profitability
Value: 52.39%
Peer Median: 64.48%
#570 of 2643 Top 21.5% in $100M-$1B

Top Weaknesses (3 metrics)

2643
Non-Interest Income / Assets
revenue_mix
Value: -0.82%
Peer Median: 0.57%
#2643 of 2643 Bottom 0.1% in $100M-$1B
2507
Loan-to-Deposit Ratio
liquidity
Value: 106.31%
Peer Median: 77.95%
#2507 of 2643 Bottom 5.2% in $100M-$1B
2113
Non-Interest-Bearing Deposit Share
funding
Value: 13.79%
Peer Median: 22.03%
#2113 of 2643 Bottom 20.1% in $100M-$1B
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