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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

$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

4.92%Q2 ’245.35%Q2 ’255.50%Q2 ’26+21%+10%

Non-interest income vs. expense

2.33%Q2 ’242.23%Q2 ’252.13%Q2 ’26-2%-10%

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 1.45%, up 32 bps year over year; NIM at 3.63%.
  • 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 (quarter, annualized)

1.45%+32 bps YoY

Net Interest Margin (quarter, annualized)

3.63%+33 bps YoY

Efficiency Ratio (quarter, annualized)

49.43%-782 bps YoY

Tier 1 Leverage Ratio

8.87%+21 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.13%1.25%1.33%1.35%1.45%+32 bps
Return on Equity19.32%19.98%19.92%19.88%21.64%+231 bps
Net Interest Margin3.31%3.40%3.50%3.49%3.63%+33 bps
Efficiency Ratio57.25%55.85%53.82%52.83%49.43%-782 bps
Non-Interest Burden1.75%1.71%1.70%1.68%1.58%-18 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 / Loans0.01%0.01%0.00%0.01%0.00%-1 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