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 | |