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Johnson Bank
Racine, WI·FDIC Cert #20296·Charter: STATE·Est. 19701112.0·HC: JOHNSON FINANCIAL GROUP INC
Total Assets
$7.2B
Q4 2025
Return on Assets
1.07%
+0.05%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
65.80%
Peer avg: 57.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
54
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.07%+0.05
ROE
8.96%+0.42
Efficiency
65.80%-0.45
Equity/Assets
0.00%+0.00
NPL Ratio
0.28%-0.06
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
86.73%-5.57
Charge-offs
0.28%+0.04
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 | 0.9 | 1.0 | 0.9 | 0.9 | 1.0 | 0.9 | 1.0 | 1.1 |
| ROE | 7.4 | 8.0 | 7.5 | 7.2 | 8.6 | 7.5 | 8.5 | 9.0 |
| Efficiency | 70.5 | 69.6 | 69.3 | 69.3 | 68.0 | 67.2 | 66.2 | 65.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.2 | 0.4 | 0.2 | 0.2 | 0.4 | 0.3 | 0.3 |
| Charge-offs | -0.0 | -0.0 | -0.0 | 0.2 | -0.0 | 0.4 | 0.2 | 0.3 |
| Loan/Deposit | 91.8 | 93.6 | 95.2 | 92.5 | 95.9 | 96.2 | 92.3 | 86.7 |
Balance Sheet
Total Assets$7.2B
Total Deposits$6.0B
Total Loans$5.2B
Total Equity$863.3M
Profitability
ROA1.07%
ROE8.96%
Efficiency Ratio65.80%
Net Income$74.9M
Risk & Asset Quality
NPL Ratio0.28%
Charge-off Rate0.28%
Loan/Deposit86.73%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans