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Premier Community Bank

Marion, WI · Cert 15799 · M S B Bcorp Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$552.1MAssets
$394.9MLoans
$486.6MDeposits
$42.4MEquity
Loan mix
93%RE $340.8M5%C&I $20.0M2%Consumer $6.1MQ3 2024Q2 2026
Deposit mix
88%Interest-bearing $429.8M12%Noninterest $56.8MQ3 2024Q2 2026

Market Position · Green Bay, WI · 2026 SOD (annual) · 0.5% share · #16 of 20 inst. · $0.1B of $14.9B

25.3% Waupaca
14.6% Shawano
0.5% Brown
1.3% Winnebago

Executive Summary

  • Earnings: ROA of 0.58%, up 7 bps year over year; NIM at 3.48%.
  • Asset quality: problem loans at 0.85% of loans (+85 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 8.54%, up 27 bps from a year ago.
  • Funding: loans stand at 81.15% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

0.58%+7 bps YoY

Net Interest Margin (quarter, annualized)

3.48%+29 bps YoY

Efficiency Ratio (quarter, annualized)

78.47%-424 bps YoY

Tier 1 Leverage Ratio

8.54%+27 bps YoY

NIM

4.82%Q2 ’245.00%Q2 ’255.09%Q2 ’26+6%+9%

Non-interest income vs. expense

2.94%Q2 ’243.08%Q2 ’253.15%Q2 ’26+7%+3%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.85%0.52%0.51%0.58%0.64%0.56%0.58%+7 bps
Return on Equity10.48%12.54%7.58%7.18%7.84%8.46%7.56%7.70%+52 bps
Net Interest Margin3.03%3.54%2.99%3.19%3.38%3.47%3.37%3.48%+29 bps
Efficiency Ratio77.16%69.44%83.36%82.70%81.42%81.17%81.66%78.47%-424 bps
Non-Interest Burden2.21%2.22%2.38%2.54%2.64%2.56%2.64%2.61%+7 bps
Growth
Asset Growth (YoY)9.50%9.80%6.36%4.39%-0.33%2.84%3.80%2.95%-145 bps
Loan Growth (YoY)5.52%8.13%8.20%8.37%5.65%2.35%5.19%2.49%-588 bps
Deposit Growth (YoY)11.55%16.32%10.97%6.09%-0.14%2.78%2.04%1.65%-444 bps
Asset Quality
Nonperforming Loans / Loans0.19%0.00%0.00%0.00%0.00%0.00%0.00%0.85%+85 bps
Net Charge-Offs / Loans0.03%0.06%0.01%-0.02%0.00%0.00%0.00%0.01%+2 bps
Allowance / Loans1.09%1.06%1.04%1.04%1.06%1.18%1.15%1.21%+17 bps
Allowance Coverage of NPLs5.8xn/an/an/a813.8x4444.0x322.7x1.4xn/a
Capital
Tier 1 Leverage Ratio8.41%8.33%8.28%8.28%8.53%8.62%8.45%8.54%+27 bps
Total Risk-Based Capital12.73%12.55%12.47%12.43%12.90%13.21%12.86%13.09%+66 bps
Equity / Assets6.86%6.69%6.94%7.25%7.56%7.51%7.42%7.67%+42 bps
Liquidity & Funding
Loans / Deposits77.38%78.41%77.17%80.49%81.87%78.09%79.55%81.15%+66 bps
Liquid Assets / Assets4.05%1.63%1.87%2.73%1.66%3.32%1.83%2.17%-56 bps
CRE / Total Capitaln/an/an/an/a339%316%351%n/an/a