Bank of Ontario: 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.
Reserve coverage of non-performing loans climbed 4.15 percentage points in Q2 2026, from 22.26% to 26.41%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Bank of Ontario is 75th of 153 on return on assets, 1.35% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 0.98% on return on assets. Bank of Ontario sits 0.36 points higher, at 1.35% (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 | 13.85% |
| Equity capital to assets | 13.99% |
| Tangible equity to tangible assets | 13.99% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 8.53% |
| Non-performing assets ratio | 7.07% |
| Net charge-off ratio | -0.08% |
| Texas ratio | 44.57% |
| Allowance for credit losses to loans | 2.25% |
| Reserve coverage of non-performing loans | 26.41% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.35% |
| Return on equity | 9.87% |
| Net interest margin | 5.06% |
| Efficiency ratio | 57.31% |
| Yield on earning assets | 6.86% |
| Cost of funds | 2.08% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.01% |
| Core deposits to total deposits | 88.02% |
| Brokered deposits to total deposits | 8.57% |
| Deposits to assets | 85.35% |
| Securities to assets | 7.79% |
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 | 10.99% | 2.50% | 5.09% | 3.11% | -0.03% |
| Q4 2023 | 11.23% | 2.13% | 4.92% | 4.52% | 0.19% |
| Q1 2024 | 11.51% | 2.35% | 4.88% | 4.69% | 0.36% |
| Q2 2024 | 12.13% | 2.52% | 5.11% | 4.76% | -0.03% |
| Q3 2024 | 12.36% | 2.67% | 5.55% | 5.58% | 0.22% |
| Q4 2024 | 12.83% | 2.62% | 5.63% | 5.43% | 0.06% |
| Q1 2025 | 13.23% | 1.76% | 5.13% | 7.18% | 0.19% |
| Q2 2025 | 13.34% | 0.81% | 4.68% | 6.50% | 0.73% |
| Q3 2025 | 10.18% | -10.83% | 5.19% | 11.93% | 2.96% |
| Q4 2025 | 10.73% | 1.51% | 5.03% | 11.97% | 1.49% |
| Q1 2026 | 13.85% | 0.96% | 4.76% | 8.73% | -0.15% |
| Q2 2026 | 13.85% | 1.35% | 5.06% | 8.53% | -0.08% |
Bank of Ontario vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Ontario, 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 Ontario profile, peer group comparison, or how this data updates.
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