← Back to Institutions
First Business Bank
Madison, WI·FDIC Cert #15229·Charter: STATE·Est. 19090501.0·HC: FIRST BUS FINL SERVICES INC
Total Assets
$4.1B
Q4 2025
Return on Assets
1.36%
-0.00%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
57.01%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
55
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.36%-0.00
ROE
13.51%-0.15
Efficiency
57.01%-0.29
Equity/Assets
0.00%+0.00
NPL Ratio
1.31%+0.60
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
99.25%-0.05
Charge-offs
0.25%+0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.1 | 1.2 | 1.3 | 1.3 | 1.3 | 1.3 | 1.4 | 1.4 |
| ROE | 11.7 | 12.5 | 12.8 | 13.5 | 12.9 | 12.8 | 13.7 | 13.5 |
| Efficiency | 61.3 | 61.3 | 59.4 | 58.3 | 57.8 | 58.3 | 57.3 | 57.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.7 | 0.6 | 0.6 | 0.9 | 0.8 | 0.9 | 0.7 | 1.3 |
| Charge-offs | 0.1 | 0.1 | 0.2 | 0.2 | 0.4 | 0.3 | 0.2 | 0.3 |
| Loan/Deposit | 104.5 | 102.5 | 101.6 | 99.3 | 97.3 | 97.5 | 99.3 | 99.3 |
Balance Sheet
Total Assets$4.1B
Total Deposits$3.4B
Total Loans$3.4B
Total Equity$423.4M
Profitability
ROA1.36%
ROE13.51%
Efficiency Ratio57.01%
Net Income$54.1M
Risk & Asset Quality
NPL Ratio1.31%
Charge-off Rate0.25%
Loan/Deposit99.25%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans