First Business Bank: 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: 7.80 percentage points higher than in Q1 2026, at 98.24%. Within Wisconsin, First Business Bank is 46th of 153 on return on assets, 1.54% as of Q2 2026. First Business Bank reported 1.54% on return on assets for Q2 2026, 0.27 points above the 1.27% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.17% |
| Tier 1 risk-based capital ratio | 11.17% |
| Total risk-based capital ratio | 12.18% |
| Tier 1 leverage ratio | 10.37% |
| Equity capital to assets | 10.17% |
| Tangible equity to tangible assets | 9.94% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.06% |
| Non-performing assets ratio | 0.86% |
| Net charge-off ratio | 0.12% |
| Texas ratio | 7.91% |
| Allowance for credit losses to loans | 1.04% |
| Reserve coverage of non-performing loans | 98.24% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.54% |
| Return on equity | 15.09% |
| Net interest margin | 3.82% |
| Efficiency ratio | 57.34% |
| Yield on earning assets | 6.35% |
| Cost of funds | 2.31% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.72% |
| Core deposits to total deposits | 71.44% |
| Brokered deposits to total deposits | 26.59% |
| Deposits to assets | 81.53% |
| Securities to assets | 9.40% |
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 | 10.27% | 10.27% | 11.22% | 10.16% | 1.29% |
| Q4 2023 | 10.23% | 10.23% | 11.21% | 9.87% | 1.28% |
| Q1 2024 | 10.34% | 10.34% | 11.37% | 9.86% | 1.13% |
| Q2 2024 | 10.44% | 10.44% | 11.46% | 9.89% | 1.29% |
| Q3 2024 | 10.54% | 10.54% | 11.57% | 10.05% | 1.31% |
| Q4 2024 | 10.91% | 10.91% | 11.97% | 10.14% | 1.53% |
| Q1 2025 | 11.10% | 11.10% | 12.15% | 10.15% | 1.29% |
| Q2 2025 | 11.12% | 11.12% | 12.19% | 10.16% | 1.26% |
| Q3 2025 | 11.08% | 11.08% | 12.12% | 10.18% | 1.54% |
| Q4 2025 | 11.16% | 11.16% | 12.16% | 10.11% | 1.30% |
| Q1 2026 | 11.04% | 11.04% | 12.04% | 10.16% | 1.28% |
| Q2 2026 | 11.17% | 11.17% | 12.18% | 10.37% | 1.54% |
First Business Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Business Bank, 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 First Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15229) · FFIEC NIC profile (RSSD 537449)