Munising, MI · Cert 15165 · Peoples State Bcorp Inc.
State charter, non-member · FDIC · 5 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 operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
47
Asset Quality
23
Profitability
15
Liquidity
99
Efficiency
10
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.
Munising, MI · Cert 15165 · Peoples State Bcorp Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
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 | 0.71% | 0.65% | 0.50% | 0.52% | 0.57% | 0.71% | 0.42% | 0.43% | -9 bps | |
| Return on Equity | 7.74% | 7.00% | 5.06% | 5.12% | 5.45% | 6.56% | 3.49% | 3.56% | -156 bps | |
| Net Interest Margin | 2.62% | 2.62% | 2.68% | 2.76% | 2.95% | 2.82% | 2.94% | 3.00% | +24 bps | |
| Efficiency Ratio | 72.80% | 74.19% | 78.89% | 77.93% | 75.34% | 73.32% | 83.77% | 83.64% | +571 bps | |
| Non-Interest Burden | 1.80% | 1.86% | 2.07% | 2.12% | 2.18% | 1.98% | 2.46% | 2.50% | +37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.71% | 1.36% | -0.44% | -3.38% | -5.92% | -9.12% | -6.73% | -4.10% | -72 bps | |
| Loan Growth (YoY) | -0.27% | 3.75% | -0.34% | -3.95% | -1.31% | -8.36% | -3.86% | -3.27% | +67 bps | |
| Deposit Growth (YoY) | -11.55% | -7.22% | 0.13% | -1.32% | -2.03% | -5.21% | -6.35% | -5.23% | -391 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.25% | 1.23% | 1.25% | 1.28% | 3.89% | 3.34% | 3.59% | 3.39% | +211 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.04% | -0.02% | -0.01% | 0.01% | 0.01% | 0.07% | 0.03% | +5 bps | |
| Allowance / Loans | 1.94% | 1.92% | 1.96% | 1.97% | 1.96% | 2.09% | 2.00% | 2.00% | +3 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.6x | 1.6x | 1.5x | 0.5x | 0.6x | 0.6x | 0.6x | -0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.89% | 10.90% | 10.93% | 11.54% | 11.95% | 11.49% | 12.64% | 12.75% | +121 bps | |
| Total Risk-Based Capital | 10.89% | 10.90% | 10.93% | 11.54% | 11.95% | 11.49% | 12.64% | 12.75% | +121 bps | |
| Equity / Assets | 9.93% | 9.71% | 10.18% | 10.66% | 11.41% | 12.28% | 11.96% | 12.02% | +136 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.28% | 79.55% | 75.34% | 76.39% | 74.82% | 76.91% | 77.35% | 77.97% | +158 bps | |
| Liquid Assets / Assets | 0.10% | 0.08% | 0.14% | 1.25% | 0.10% | 0.13% | 0.09% | 0.13% | -112 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 315% | 283% | 295% | n/a | n/a | |
Munising, MI · Cert 15165 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Peoples State Bcorp Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Return on Assets
0.42%
Rank 642 of 746
Net Interest Margin
3.00%
Rank 613 of 746
Efficiency Ratio
85.69%
Rank 670 of 746
Equity / Assets
12.02%
Rank 243 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.42% | 0.72% | 1.06% | 1.45% | Beats 14% | 642 / 746 | ||
| Return on Equity | 3.51% | 6.74% | 10.51% | 13.63% | Beats 12% | 655 / 746 | ||
| Net Interest Margin | 3.00% | 3.17% | 3.68% | 4.16% | Beats 18% | 613 / 746 | ||
| Efficiency Ratio | 85.69% | 55.74% | 64.58% | 75.47% | Beats 10% | 670 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.39% | 0.09% | 0.42% | 1.07% | Beats 4% | 712 / 743 | ||
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 42% | 430 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.75% | 11.55% | 13.75% | 17.60% | Beats 39% | 458 / 746 | ||
| Total Risk-Based Capital Ratio | 12.75% | 11.71% | 14.33% | 18.43% | Beats 34% | 492 / 746 | ||
| Equity / Assets | 12.02% | 8.90% | 10.51% | 13.06% | Beats 67% | 243 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.97% | 61.31% | 78.27% | 90.78% | 50th pctl | 375 / 746 | ||
| Loans / Assets | 58.17% | 53.60% | 66.97% | 76.08% | 33rd pctl | 502 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||