Bank of Milton: 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 Loan-to-deposit ratio: 2.27 percentage points higher than in Q1 2026, at 88.91%. Bank of Milton ranks 40th of 153 Wisconsin banks on return on assets, in the upper half at 1.64% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Bank of Milton sits 0.38 points higher, at 1.64% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.51% |
| Equity capital to assets | 8.28% |
| Tangible equity to tangible assets | 8.28% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.34% |
| Non-performing assets ratio | 1.82% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 19.01% |
| Allowance for credit losses to loans | 1.64% |
| Reserve coverage of non-performing loans | 70.14% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.64% |
| Return on equity | 20.25% |
| Net interest margin | 4.10% |
| Efficiency ratio | 46.98% |
| Yield on earning assets | 5.87% |
| Cost of funds | 1.91% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.91% |
| Core deposits to total deposits | 83.93% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.49% |
| Securities to assets | 17.11% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.52% | -0.25% | 3.88% | 0.00% | 0.00% |
| Q4 2023 | 9.56% | 0.11% | 3.94% | 0.14% | 0.01% |
| Q1 2024 | 9.11% | 1.75% | 4.11% | 0.14% | -0.00% |
| Q2 2024 | 9.21% | 1.65% | 4.08% | 0.13% | -0.00% |
| Q3 2024 | 9.12% | 1.35% | 4.24% | 0.08% | 0.12% |
| Q4 2024 | 9.24% | 1.72% | 4.15% | 0.03% | 0.12% |
| Q1 2025 | 8.90% | 1.48% | 3.93% | 0.03% | -0.01% |
| Q2 2025 | 9.53% | 1.80% | 4.31% | 0.03% | 0.00% |
| Q3 2025 | 9.14% | 1.89% | 4.38% | 0.02% | -0.00% |
| Q4 2025 | 8.60% | 0.77% | 4.11% | 2.36% | 0.01% |
| Q1 2026 | 8.98% | 1.46% | 4.00% | 2.41% | -0.00% |
| Q2 2026 | 9.51% | 1.64% | 4.10% | 2.34% | 0.00% |
Bank of Milton vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Milton, 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 Bank of Milton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11232) · FFIEC NIC profile (RSSD 426945)