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Bank of Prairie Du Sac

Prairie Du Sac, WI · Cert 14660 · Ploetz Investments Partnership

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in WI3

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 in WI (n=110 to 113). 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

83

Q2 2024Q2 2026peer median (50)

Asset Quality

75

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

94

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

Bank of Prairie Du Sac

Prairie Du Sac, WI · Cert 14660 · Ploetz Investments Partnership

State charter, non-member · FDIC · 2 branches

Q2 2026

$744.5MAssets
$393.5MLoans
$644.3MDeposits
$97.1MEquity
Loan mix
86%RE $320.7M13%C&I $50.2M1%Consumer $3.1MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $548.2M15%Noninterest $96.1MQ2 2025Q2 2026

NIM

4.33%Q2 ’244.61%Q2 ’254.63%Q2 ’26+9%-2%

Non-interest income vs. expense

1.38%Q2 ’241.33%Q2 ’251.25%Q2 ’26-3%-6%

Executive Summary

  • Earnings: ROA of 1.57%, down 5 bps year over year; NIM at 2.83%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.70%, down 116 bps from a year ago.
  • Funding: loans stand at 61.07% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.57%-5 bps YoY

Net Interest Margin (YTD, annualized)

2.83%-6 bps YoY

Efficiency Ratio (YTD, annualized)

40.58%-141 bps YoY

Tier 1 Leverage Ratio

13.70%-116 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.62%1.57%1.46%1.47%1.57%-5 bps
Return on Equity12.28%11.90%11.25%11.85%12.46%+18 bps
Net Interest Margin2.90%2.78%2.62%2.75%2.83%-6 bps
Efficiency Ratio41.99%42.13%45.25%41.57%40.58%-141 bps
Non-Interest Burden1.06%1.01%1.06%1.01%1.00%-6 bps
Growth
Asset Growth (YoY)9.95%14.38%19.59%23.10%15.69%+575 bps
Loan Growth (YoY)3.07%5.13%4.33%3.64%6.00%+293 bps
Deposit Growth (YoY)9.75%15.42%20.31%24.98%16.74%+700 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.06%0.01%0.01%0.00%0 bps
Net Charge-Offs / Loans0.04%0.02%0.01%0.00%0.00%-4 bps
Allowance / Loans1.44%1.43%1.41%1.41%1.37%-7 bps
Allowance Coverage of NPLsn/a23.4x173.5x173.4x2692.5xn/a
Capital
Tier 1 Leverage Ratio14.85%14.68%13.63%13.50%13.70%-116 bps
Total Risk-Based Capital22.30%22.96%22.72%23.41%23.03%+73 bps
Equity / Assets13.32%13.24%12.33%12.51%13.05%-27 bps
Liquidity & Funding
Loans / Deposits67.26%63.42%57.76%58.37%61.07%-619 bps
Liquid Assets / Assets10.25%14.53%20.12%18.81%13.58%+333 bps
CRE / Total Capitaln/a208%213%207%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

Bank of Prairie Du Sac

Prairie Du Sac, WI · Cert 14660 · Peer group: banks under $1B in assets in WI (n=110-113) · Ploetz Investments Partnership

State charter, non-member · FDIC · 2 branches

Q2 2026

$744.5MAssets
$393.5MLoans
$644.3MDeposits
$97.1MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 94% of banks under $1B in assets in WI (rank 8 of 113).
  • Widest gap: net interest margin trails 91% of banks under $1B in assets in WI (rank 103 of 113).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.59%

Rank 26 of 113

Net Interest Margin

2.83%

Rank 103 of 113

Efficiency Ratio

40.58%

Rank 8 of 113

Equity / Assets

13.05%

Rank 30 of 113

Non-interest income vs. expense

$2.0M$9.7MINCOMEEXPENSE
Unfavorable gap of $7.7M · efficiency ratio beats 94% of banks under $1B in assets in WI
Bank 40.58%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.59%0.85%1.17%1.51%Beats 77%26 / 113
Return on Equity12.20%7.70%10.77%13.67%Beats 62%43 / 113
Net Interest Margin2.83%3.19%3.59%3.89%Beats 9%103 / 113
Efficiency Ratio40.58%54.61%62.43%71.88%Beats 94%8 / 113
Asset Quality
Nonperforming Loans / Loans0.00%0.03%0.24%0.91%Beats 85%18 / 110
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 65%40 / 110
Capital
Tier 1 Capital Ratio21.84%11.22%12.95%15.76%Beats 88%14 / 113
Total Risk-Based Capital Ratio23.03%11.57%13.59%16.73%Beats 88%14 / 113
Equity / Assets13.05%9.17%10.74%13.13%Beats 73%30 / 113
Liquidity & Funding
Loans / Deposits61.07%76.54%86.37%98.93%10th pctl101 / 112
Loans / Assets52.84%63.07%71.33%78.84%11th pctl101 / 113
Brokered Deposits / Depositsn/aNot reported for this institution