The International Bank of Amherst: how it compares with its peers
Against 30 WI banks with half to twice its assets, The International Bank of Amherst's strongest measure in Q2 2026 is efficiency ratio (46.79% vs. a 66.38% peer median). Its weakest relative measure is net interest margin (3.95% vs. 3.85%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.14% | 1.18% | Top third Ahead of 93% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.95% | 3.85% | Middle third Ahead of 57% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 46.79% | 66.38% | Top third Ahead of 97% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.6M | $6.5M | Top third Ahead of 87% of peers |
| Loans to deposits Net loans and leases over total deposits. | 59.67% | 84.41% | Context |
What it means for lending operations
Its efficiency ratio of 46.79% is better than the 66.38% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Black River Country Bank Black River Falls, WI · $102M
- Superior Savings Bank Superior, WI · $99M
- Community First Bank Rosholt, WI · $98M
- Ladysmith Federal Savings and Loan Association Ladysmith, WI · $93M
- Richland County Bank Richland Center, WI · $114M
- Union State Bank West Salem, WI · $118M
Questions about The International Bank of Amherst
How big is The International Bank of Amherst?
The International Bank of Amherst, established in 1893, is headquartered in Amherst, WI. It reported $104M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The International Bank of Amherst's return on assets?
2.14% annualized in Q2 2026, against a 1.18% median for 30 WI banks with half to twice its assets, ahead of 93% of them.
What is The International Bank of Amherst's efficiency ratio?
46.79% in Q2 2026: it spent about 47 cents in noninterest expense for each dollar of revenue. The peer median is 66.38%, and lower is better.
Is The International Bank of Amherst growing its loans?
Net loans grew 9.0% over the year to Q2 2026, while deposits grew 2.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are WI banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Wisconsin bank ranked.