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Peoples Community Bank, The

Mazomanie, WI · Cert 15046 · Peoples Cmty Bancshares Inc.

State charter, non-member · FDIC · 6 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=109 to 112). 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

50

Q2 2024Q2 2026peer median (50)

Asset Quality

52

Q2 2024Q2 2026peer median (50)

Profitability

64

Q2 2024Q2 2026peer median (50)

Liquidity

50

Q2 2024Q2 2026peer median

Efficiency

72

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 2026-10-10

Peoples Community Bank, The

Mazomanie, WI · Cert 15046 · Peoples Cmty Bancshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$388.8MAssets
$250.3MLoans
$339.7MDeposits
$46.4MEquity
Loan mix
91%RE $211.7M7%C&I $16.1M2%Consumer $5.3MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $252.2M26%Noninterest $87.5MQ2 2025Q2 2026

NIM

4.59%Q2 ’244.79%Q2 ’254.87%Q2 ’26+10%+9%

Non-interest income vs. expense

2.43%Q2 ’242.39%Q2 ’252.43%Q2 ’26-6%+2%

Market Position · Madison, WI · 2026 SOD (annual) · 0.5% share · #28 of 41 inst. · $0.2B of $30.1B

5.4% Sauk
0.4% Dane
10.1% Iowa
15.6% Richland

Executive Summary

  • Earnings: ROA of 1.58%, up 28 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 0.14% of loans (+10 bps YoY), with net recoveries of 0.04%.
  • Capital: tier 1 leverage ratio of 12.76%, down 32 bps from a year ago.
  • Funding: loans stand at 73.69% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.58%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.47%+28 bps YoY

Efficiency Ratio (YTD, annualized)

55.86%-302 bps YoY

Tier 1 Leverage Ratio

12.76%-32 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.30%1.34%1.28%1.49%1.58%+28 bps
Return on Equity11.80%11.97%11.41%12.74%13.44%+164 bps
Net Interest Margin3.19%3.17%3.20%3.36%3.47%+28 bps
Efficiency Ratio58.88%58.37%60.53%57.39%55.86%-302 bps
Non-Interest Burden1.49%1.47%1.58%1.54%1.53%+3 bps
Growth
Asset Growth (YoY)2.86%3.95%4.47%4.68%5.31%+245 bps
Loan Growth (YoY)1.48%8.18%7.15%9.61%8.14%+666 bps
Deposit Growth (YoY)4.19%5.06%2.81%3.52%4.45%+26 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.03%0.00%0.00%0.14%+10 bps
Net Charge-Offs / Loans0.00%0.00%-0.01%-0.09%-0.04%-4 bps
Allowance / Loans1.45%1.42%1.40%1.40%1.36%-8 bps
Allowance Coverage of NPLs45.9x45.4xn/a3420.0x10.0x-35.9x
Capital
Tier 1 Leverage Ratio13.08%12.79%12.68%12.59%12.76%-32 bps
Total Risk-Based Capital13.08%12.79%12.68%12.59%12.76%-32 bps
Equity / Assets11.52%11.54%11.57%11.80%11.93%+41 bps
Liquidity & Funding
Loans / Deposits71.18%69.59%69.44%70.99%73.69%+251 bps
Liquid Assets / Assets10.61%14.09%11.92%10.81%8.16%-244 bps
CRE / Total Capitaln/a209%215%224%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 2026-10-10

Peoples Community Bank, The

Mazomanie, WI · Cert 15046 · Peer group: banks under $1B in assets in WI (n=109-112) · Peoples Cmty Bancshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$388.8MAssets
$250.3MLoans
$339.7MDeposits
$46.4MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 79% of banks under $1B in assets in WI (rank 24 of 112).
  • Widest gap: total risk-based capital ratio trails 62% of banks under $1B in assets in WI (rank 69 of 112).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.60%

Rank 24 of 112

Net Interest Margin

3.47%

Rank 65 of 112

Efficiency Ratio

55.86%

Rank 32 of 112

Equity / Assets

11.93%

Rank 40 of 112

Non-interest income vs. expense

$3.6M$9.7MINCOMEEXPENSE
Unfavorable gap of $6.1M · efficiency ratio beats 72% of banks under $1B in assets in WI
Bank 55.86%Peer median 62.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.60%0.85%1.17%1.51%Beats 79%24 / 112
Return on Equity13.37%7.87%10.91%13.85%Beats 71%32 / 112
Net Interest Margin3.47%3.19%3.59%3.89%Beats 42%65 / 112
Efficiency Ratio55.86%54.87%62.73%72.61%Beats 72%32 / 112
Asset Quality
Nonperforming Loans / Loans0.14%0.03%0.22%0.91%Beats 57%48 / 109
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 47%59 / 109
Capital
Tier 1 Capital Ratio12.76%11.22%12.95%15.76%Beats 48%58 / 112
Total Risk-Based Capital Ratio12.76%11.57%13.59%16.73%Beats 38%69 / 112
Equity / Assets11.93%9.17%10.74%13.13%Beats 64%40 / 112
Liquidity & Funding
Loans / Deposits73.69%75.89%86.36%98.49%22nd pctl87 / 111
Loans / Assets64.39%64.03%71.52%78.98%26th pctl83 / 112
Brokered Deposits / Depositsn/aNot reported for this institution