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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

$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