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Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Wisconsin, the state note

Johnson Bank

Racine, Wisconsin · $7.07B in assets · beside the 5 other Wisconsin banks between $3B and $10B

The filing

+0.5%
Loans, year over year
6th of 6, largest first
6.1x
Coverage of noncurrent
1st of 6
1.32%
ROA
5th of 6

Johnson Bank is the largest of the 6 Wisconsin banks between $3B and $10B, with $7.07B in assets at 30 June 2026. Loans are 95.6% of deposits, 4th of 6 against a median of 93.9%, and equity is 12.2% of assets, 3rd of 6. Loans grew +0.5% in the year, the slowest in the cohort, and deposits grew 2.6%; the cohort's median loan growth is +7.4%.

Noncurrent loans are 0.23% of the book, 2nd of 6 against a median of 0.31%; 0.20% is 30 to 89 days past due, and the allowance covers them 6.1 times. Commercial real estate is 37.8% of loans, 4th of 6 against a median of 34.3%, and 218% of capital, below the 300% screen, with construction at 34% against the 100% screen.

Return on assets is 1.32%, 5th of 6 against a median of 1.40%, on an efficiency ratio of 62.2%, 5th of 6. Five years ago it was 1.39%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsWI banks $3B to $10B · 30 June 2026 · higher is stronger, listed first
median 1.40% JD John Deere Financial FSB 2.82% BF Bank First N A 1.54% FB First Business Bank 1.40% TB Town Bank National Association 1.40% JB Johnson Bank 1.32% LR Lake Ridge Bank 1.04%
Loans, year over yearWI banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +7.4% BF Bank First N A +26.2% FB First Business Bank +9.8% JD John Deere Financial FSB +8.5% TB Town Bank National Association +6.2% LR Lake Ridge Bank +2.1% JB Johnson Bank +0.5%

SBA 7(a), FY2008 to FY2026

Johnson Bank is the 31st largest 7(a) lender into Wisconsin of 426, with $54M across 159 loans, 0.6% of everything approved in the state (Byline Bank leads with $864M). 31 of its 33 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Wisconsin, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Milwaukee, WI$9M29th of 1440.7%+0.9 pts
Rock, WI$8M2nd of 645.2%quiet FY2020
Maricopa, AZ$6M107th of 3030.1%quiet FY2019
Dane, WI$5M30th of 1410.7%quiet FY2020
Brown, WI$5M19th of 851.1%quiet FY2022
Winnebago, WI$5M18th of 761.8%quiet FY2022
Waukesha, WI$4M34th of 1220.4%quiet FY2014
Sawyer, WI$3M4th of 266.7%quiet FY2021
Barron, WI$3M8th of 314.2%quiet FY2020
Racine, WI$2M32nd of 890.8%quiet FY2020
Outagamie, WI$2M35th of 910.4%quiet FY2019
Walworth, WI$2M24th of 690.9%quiet FY2021
Jefferson, WI$1M23rd of 490.9%quiet FY2022
20 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing35$23M37.1%0.06%278th of 2,246
Wholesale trade8$9M14.7%0.03%314th of 1,651
Retail trade19$5M8.6%0.01%702nd of 2,589
Health care & social assistance27$4M6.0%0.01%662nd of 2,172
Other services11$3M5.6%0.01%685th of 2,248
7(a) lenders into Wisconsin, share of approvals since FY2008426 lenders on record; the ten largest and Johnson Bank
BB Byline Bank 9.3% $864M · 860 loans BF Bank Five Nine 7.9% $733M · 1,782 loans BF Bank First, N.A. 4.7% $437M · 963 loans UB UMB Bank, National Association 3.8% $355M · 672 loans UB U.S. Bank, National Association 3.5% $324M · 1,831 loans NN Nicolet National Bank 3.2% $296M · 741 loans ON Old National Bank 3.0% $279M · 390 loans AB Associated Bank National Associat… 3.0% $278M · 2,089 loans LO Live Oak Banking Company 2.6% $246M · 206 loans SC Summit CU 2.6% $244M · 1,034 loans JB Johnson Bank 0.6% $54M · 159 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
Johnson BankRankCohort median
Total CRE against capital, the 300% screen218%3rd of 6229%
Construction against capital, the 100% screen34%2nd of 639%
Construction and land development, share of loans5.8%4th of 65.6%
Non-owner-occupied nonfarm nonresidential, share of loans17.0%4th of 616.3%
Total CRE, the guidance definition, share of loans37.8%4th of 634.3%
CRE growth over 36 months, the third prong+28.8%2nd of 5+32.1%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Johnson Bank$7.07B1.3%62.2%0.23%-0.06%1.4%95.6%12.2%
Bank First N A$5.94B1.5%55.8%0.56%0.05%1.2%90.0%13.6%
John Deere Financial FSB$4.93B2.8%24.8%0.27%1.97%0.1%314.5%18.0%
Town Bank National Association$4.71B1.4%42.5%0.22%0.09%0.5%92.2%10.3%
First Business Bank$4.41B1.4%58.1%1.06%0.18%1.0%99.7%10.2%
Lake Ridge Bank$3.35B1.0%65.8%0.34%0.01%1.0%87.9%10.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Johnson BankCohort median
20212026Change20212026Change
Loans$4.23B$5.38B+27%$2.19B$4.06B+85%
Deposits$4.89B$5.63B+15%$2.31B$3.70B+61%
NPA / loans0.37%0.23%-0.13 pts0.45%0.31%-0.14 pts
Efficiency61.1%62.2%+1.2 pts58.1%57.0%-1.1 pts
ROA1.39%1.32%-0.07 pts1.47%1.40%-0.07 pts

This read was prepared for Johnson Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Johnson Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort WI banks $3B to $10B
Institution www.johnsonfinancialgroup.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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