Fox Valley Savings Bank: how it compares with its peers
Against 80 WI banks with half to twice its assets, Fox Valley Savings Bank's strongest measure in Q2 2026 is assets per employee ($7.0M vs. a $7.1M peer median). Its weakest relative measure is net interest margin (2.71% vs. 3.88%).
| Measure | Fox Valley Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.17% | 1.36% | Bottom third Ahead of 4% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.71% | 3.88% | Bottom third Ahead of 3% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 93.96% | 60.68% | Bottom third Ahead of 5% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.0M | $7.1M | Middle third Ahead of 49% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.63% | 86.94% | Context |
What it means for lending operations
Its efficiency ratio of 93.96% is above the 60.68% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Peoples Community Bank Mazomanie, WI · $389M
- Wolf River Community Bank Hortonville, WI · $386M
- FORTE BANK Hartford, WI · $404M
- West Pointe Bank Oshkosh, WI · $369M
- The First National Bank of Bangor Bangor, WI · $364M
- Shell Lake State Bank Shell Lake, WI · $362M
Questions about Fox Valley Savings Bank
How big is Fox Valley Savings Bank?
Fox Valley Savings Bank, established in 1934, is headquartered in Fond Du Lac, WI. It reported $387M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Fox Valley Savings Bank's return on assets?
0.17% annualized in Q2 2026, against a 1.36% median for 80 WI banks with half to twice its assets, ahead of 4% of them.
What is Fox Valley Savings Bank's efficiency ratio?
93.96% in Q2 2026: it spent about 94 cents in noninterest expense for each dollar of revenue. The peer median is 60.68%, and lower is better.
Is Fox Valley Savings Bank growing its loans?
Net loans grew 11.5% over the year to Q2 2026, while deposits shrank 1.1%.
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.