Mazomanie, WI · Cert 15046 · Peoples Cmty Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
50
Asset Quality
52
Profitability
64
Liquidity
50
Efficiency
72
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.
Mazomanie, WI · Cert 15046 · Peoples Cmty Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Madison, WI · 2026 SOD (annual) · 0.5% share · #28 of 41 inst. · $0.2B of $30.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.07% | 1.10% | 1.25% | 1.30% | 1.34% | 1.28% | 1.49% | 1.58% | +28 bps | |
| Return on Equity | 9.84% | 10.23% | 11.58% | 11.80% | 11.97% | 11.41% | 12.74% | 13.44% | +164 bps | |
| Net Interest Margin | 2.90% | 2.91% | 3.06% | 3.19% | 3.17% | 3.20% | 3.36% | 3.47% | +28 bps | |
| Efficiency Ratio | 63.43% | 63.36% | 60.22% | 58.88% | 58.37% | 60.53% | 57.39% | 55.86% | -302 bps | |
| Non-Interest Burden | 1.51% | 1.50% | 1.48% | 1.49% | 1.47% | 1.58% | 1.54% | 1.53% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.12% | 3.00% | 4.65% | 2.86% | 3.95% | 4.47% | 4.68% | 5.31% | +245 bps | |
| Loan Growth (YoY) | 2.20% | 0.18% | -0.61% | 1.48% | 8.18% | 7.15% | 9.61% | 8.14% | +666 bps | |
| Deposit Growth (YoY) | 2.32% | 4.44% | 5.76% | 4.19% | 5.06% | 2.81% | 3.52% | 4.45% | +26 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.03% | 0.03% | 0.03% | 0.03% | 0.00% | 0.00% | 0.14% | +10 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | -0.01% | -0.09% | -0.04% | -4 bps | |
| Allowance / Loans | 1.53% | 1.50% | 1.50% | 1.45% | 1.42% | 1.40% | 1.40% | 1.36% | -8 bps | |
| Allowance Coverage of NPLs | 840.0x | 45.9x | 45.9x | 45.9x | 45.4x | n/a | 3420.0x | 10.0x | -35.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.07% | 12.70% | 12.72% | 13.08% | 12.79% | 12.68% | 12.59% | 12.76% | -32 bps | |
| Total Risk-Based Capital | 13.07% | 12.70% | 12.72% | 13.08% | 12.79% | 12.68% | 12.59% | 12.76% | -32 bps | |
| Equity / Assets | 11.42% | 10.55% | 11.10% | 11.52% | 11.54% | 11.57% | 11.80% | 11.93% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.58% | 66.63% | 67.04% | 71.18% | 69.59% | 69.44% | 70.99% | 73.69% | +251 bps | |
| Liquid Assets / Assets | 13.70% | 13.10% | 14.88% | 10.61% | 14.09% | 11.92% | 10.81% | 8.16% | -244 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 209% | 215% | 224% | n/a | n/a | |
Mazomanie, WI · Cert 15046 · Peer group: banks under $1B in assets in WI (n=110-113) · Peoples Cmty Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Return on Assets
1.60%
Rank 25 of 113
Net Interest Margin
3.47%
Rank 66 of 113
Efficiency Ratio
55.86%
Rank 33 of 113
Equity / Assets
11.93%
Rank 41 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.60% | 0.85% | 1.17% | 1.51% | Beats 78% | 25 / 113 | ||
| Return on Equity | 13.37% | 7.70% | 10.77% | 13.67% | Beats 72% | 32 / 113 | ||
| Net Interest Margin | 3.47% | 3.19% | 3.59% | 3.89% | Beats 42% | 66 / 113 | ||
| Efficiency Ratio | 55.86% | 54.61% | 62.43% | 71.88% | Beats 72% | 33 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.14% | 0.03% | 0.24% | 0.91% | Beats 57% | 48 / 110 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 46% | 60 / 110 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.76% | 11.22% | 12.95% | 15.76% | Beats 48% | 59 / 113 | ||
| Total Risk-Based Capital Ratio | 12.76% | 11.57% | 13.59% | 16.73% | Beats 38% | 70 / 113 | ||
| Equity / Assets | 11.93% | 9.17% | 10.74% | 13.13% | Beats 64% | 41 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.69% | 76.54% | 86.37% | 98.93% | 21st pctl | 88 / 112 | ||
| Loans / Assets | 64.39% | 63.07% | 71.33% | 78.84% | 27th pctl | 83 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||