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Peoples State Bank of Plainview

Plainview, MN · Cert 1100 · WRZ Bankshares Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

32

Q2 2024Q2 2026peer median (50)

Asset Quality

50

Q2 2024Q2 2026peer median (50)

Profitability

71

Q2 2024Q2 2026peer median (50)

Liquidity

85

Q2 2024Q2 2026peer median

Efficiency

86

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Peoples State Bank of Plainview

Plainview, MN · Cert 1100 · WRZ Bankshares Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

$429.1MAssets
$298.6MLoans
$393.2MDeposits
$28.5MEquity
Loan mix
83%RE $222.4M12%C&I $31.7M5%Consumer $12.9MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $324.4M18%Noninterest $68.8MQ2 2025Q2 2026

NIM

4.79%Q2 ’245.21%Q2 ’255.34%Q2 ’26+17%+12%

Non-interest income vs. expense

2.29%Q2 ’242.20%Q2 ’252.11%Q2 ’26-6%-6%

Market Position · Rochester, MN · 2026 SOD (annual) · 3.2% share · #9 of 34 inst. · $0.2B of $7.6B

27.1% Wabasha
18.2% Dunn
3.7% Winona

Executive Summary

  • Earnings: ROA of 1.39%, up 37 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 0.95% of loans (+78 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.87%, up 21 bps from a year ago.
  • Funding: loans stand at 75.93% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.39%+37 bps YoY

Net Interest Margin (YTD, annualized)

3.51%+38 bps YoY

Efficiency Ratio (YTD, annualized)

51.06%-799 bps YoY

Tier 1 Leverage Ratio

8.87%+21 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.02%1.10%1.16%1.35%1.39%+37 bps
Return on Equity17.92%18.49%18.97%19.88%20.67%+275 bps
Net Interest Margin3.13%3.17%3.22%3.49%3.51%+38 bps
Efficiency Ratio59.05%57.90%56.80%52.83%51.06%-799 bps
Non-Interest Burden1.71%1.69%1.67%1.68%1.60%-11 bps
Growth
Asset Growth (YoY)5.89%3.29%5.42%4.58%10.16%+426 bps
Loan Growth (YoY)6.47%5.94%5.68%10.82%12.32%+585 bps
Deposit Growth (YoY)7.41%4.26%6.56%5.73%12.02%+461 bps
Asset Quality
Nonperforming Loans / Loans0.17%0.18%0.16%1.02%0.95%+78 bps
Net Charge-Offs / Loans0.00%0.01%0.00%0.01%0.00%0 bps
Allowance / Loans1.12%1.13%1.16%1.13%1.17%+5 bps
Allowance Coverage of NPLs6.6x6.1x7.1x1.1x1.2x-5.3x
Capital
Tier 1 Leverage Ratio8.66%8.74%8.85%8.82%8.87%+21 bps
Total Risk-Based Capital14.21%14.41%14.61%14.13%14.18%-4 bps
Equity / Assets5.94%6.57%6.78%6.76%6.65%+72 bps
Liquidity & Funding
Loans / Deposits75.72%75.41%73.68%77.56%75.93%+20 bps
Liquid Assets / Assets3.47%5.04%5.10%2.48%3.79%+32 bps
CRE / Total Capitaln/a189.23%188.43%212%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Peoples State Bank of Plainview

Plainview, MN · Cert 1100 · Peer group: banks under $1B in assets (n=581-629) · WRZ Bankshares Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

$429.1MAssets
$298.6MLoans
$393.2MDeposits
$28.5MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 93% of banks under $1B in assets (rank 42 of 629).
  • Widest gap: equity / assets trails 96% of banks under $1B in assets (rank 605 of 629).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.35%

Rank 185 of 629

Net Interest Margin

3.51%

Rank 325 of 629

Efficiency Ratio

52.54%

Rank 91 of 629

Equity / Assets

6.65%

Rank 605 of 629

Non-interest income vs. expense

$2.1M$8.9MINCOMEEXPENSE
Unfavorable gap of $6.7M · efficiency ratio beats 86% of banks under $1B in assets
Bank 52.54%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.35%0.60%1.01%1.45%Beats 71%185 / 629
Return on Equity20.24%5.38%9.30%13.28%Beats 93%42 / 629
Net Interest Margin3.51%3.03%3.54%4.05%Beats 48%325 / 629
Efficiency Ratio52.54%58.35%67.79%79.08%Beats 86%91 / 629
Asset Quality
Nonperforming Loans / Loans0.95%0.09%0.46%1.20%Beats 31%400 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 68%190 / 581
Capital
Tier 1 Capital Ratio12.96%11.24%13.84%18.77%Beats 43%357 / 629
Total Risk-Based Capital Ratio14.18%11.58%14.43%19.66%Beats 48%329 / 629
Equity / Assets6.65%9.09%10.65%13.80%Beats 4%605 / 629
Liquidity & Funding
Loans / Deposits75.93%67.24%80.90%93.48%41st pctl348 / 594
Loans / Assets69.58%53.31%67.71%78.15%55th pctl283 / 629
Brokered Deposits / Depositsn/aNot reported for this institution