The International Bank of Amherst: 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.
Compared with Q2 2026, Core deposits to total deposits rose 0.44 percentage points in Q3 2026 to 95.81%, the biggest move on this page. The International Bank of Amherst ranks 16th of 153 Wisconsin banks on return on assets, in the upper half at 2.14% (Q3 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, The International Bank of Amherst reported 2.14% on return on assets in Q3 2026, 0.88 points higher; the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.31% |
| Equity capital to assets | 13.91% |
| Tangible equity to tangible assets | 13.91% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.78% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 2.14% |
| Return on equity | 15.33% |
| Net interest margin | 4.17% |
| Efficiency ratio | 45.00% |
| Yield on earning assets | 5.28% |
| Cost of funds | 1.26% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 60.18% |
| Core deposits to total deposits | 95.81% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.91% |
| Securities to assets | 27.25% |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 13.46% | 1.34% | 3.24% | 0.00% | 0.00% |
| Q1 2024 | 13.30% | 1.38% | 3.33% | 0.00% | 0.00% |
| Q2 2024 | 13.87% | 1.48% | 3.58% | 0.00% | 0.00% |
| Q3 2024 | 13.45% | 1.53% | 3.71% | 0.00% | 0.04% |
| Q4 2024 | 13.62% | 2.03% | 3.93% | 0.00% | -0.01% |
| Q1 2025 | 13.84% | 2.10% | 3.94% | 0.00% | 0.00% |
| Q2 2025 | 14.19% | 2.15% | 3.99% | 0.00% | 0.00% |
| Q3 2025 | 14.24% | 2.33% | 4.32% | 0.00% | 0.00% |
| Q4 2025 | 14.12% | 2.03% | 4.25% | 0.00% | 0.00% |
| Q1 2026 | 13.99% | 2.32% | 4.10% | 0.00% | 0.00% |
| Q2 2026 | 14.42% | 2.00% | 4.16% | 0.00% | 0.00% |
| Q3 2026 | 14.31% | 2.14% | 4.17% | 0.00% | 0.00% |
The International Bank of Amherst vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The International Bank of Amherst, 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 International Bank of Amherst profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14907) · FFIEC NIC profile (RSSD 504647)