PackageTrendsPeer
Letter portraitLegal landscape

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

Trailing 9 quarters, through Q2 2026

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 (100)

Efficiency

94

Q2 2024Q2 2026Peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.

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 2026-10-12

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 2026-10-12

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