The Bank of Deerfield: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 36.10 percentage points lower than in Q1 2026, at 968.73%. The Bank of Deerfield ranks 59th of 153 Wisconsin banks on return on assets, in the upper half at 1.47% (Q2 2026). The Bank of Deerfield reported 1.47% on return on assets for Q2 2026, 0.22 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.95% |
| Tier 1 risk-based capital ratio | 12.95% |
| Total risk-based capital ratio | 14.20% |
| Tier 1 leverage ratio | 10.49% |
| Equity capital to assets | 10.38% |
| Tangible equity to tangible assets | 10.38% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.13% |
| Non-performing assets ratio | 0.11% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.00% |
| Allowance for credit losses to loans | 1.27% |
| Reserve coverage of non-performing loans | 968.73% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.47% |
| Return on equity | 14.20% |
| Net interest margin | 4.12% |
| Efficiency ratio | 62.35% |
| Yield on earning assets | 6.66% |
| Cost of funds | 2.78% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.50% |
| Core deposits to total deposits | 68.39% |
| Brokered deposits to total deposits | 22.59% |
| Deposits to assets | 85.92% |
| Securities to assets | 4.65% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.95% | 12.95% | 14.17% | 10.89% | 1.53% |
| Q4 2023 | 12.14% | 12.14% | 13.30% | 10.28% | 1.66% |
| Q1 2024 | 12.93% | 12.93% | 14.18% | 10.45% | 1.45% |
| Q2 2024 | 12.49% | 12.49% | 13.72% | 10.51% | 1.43% |
| Q3 2024 | 13.00% | 13.00% | 14.25% | 10.51% | 1.56% |
| Q4 2024 | 12.53% | 12.53% | 13.78% | 10.14% | 1.87% |
| Q1 2025 | 13.17% | 13.17% | 14.42% | 10.51% | 1.56% |
| Q2 2025 | 12.22% | 12.22% | 13.47% | 10.68% | 1.81% |
| Q3 2025 | 12.66% | 12.66% | 13.91% | 10.52% | 1.69% |
| Q4 2025 | 12.46% | 12.46% | 13.71% | 10.23% | 1.55% |
| Q1 2026 | 12.93% | 12.93% | 14.18% | 10.43% | 1.63% |
| Q2 2026 | 12.95% | 12.95% | 14.20% | 10.49% | 1.47% |
The Bank of Deerfield vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Deerfield, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Bank of Deerfield profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2477) · FFIEC NIC profile (RSSD 588245)