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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.19% | 1.21% | 1.25% | 1.35% | 1.43% | 1.13% | 1.49% | 1.67% | +32 bps | |
| Return on Equity | 10.67% | 10.99% | 11.58% | 11.95% | 12.38% | 9.77% | 12.74% | 14.08% | +214 bps | |
| Net Interest Margin | 2.95% | 3.10% | 3.06% | 3.28% | 3.37% | 3.46% | 3.36% | 3.56% | +28 bps | |
| Efficiency Ratio | 59.99% | 63.16% | 60.22% | 57.60% | 57.42% | 66.39% | 57.39% | 54.39% | -321 bps | |
| Non-Interest Burden | 1.39% | 1.57% | 1.48% | 1.49% | 1.54% | 1.97% | 1.54% | 1.50% | +1 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% | 0.01% | 0.01% | 0.00% | -0.01% | -0.01% | -0.09% | 0.01% | 0 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 | |