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Nekoosa Port Edwards State Bank

Nekoosa, WI · Cert 2482 · Nekoosa Port Edwards Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$286.5MAssets
$183.5MLoans
$243.5MDeposits
$41.2MEquity
Loan mix
91%RE $156.9M6%C&I $10.6M3%Consumer $5.2MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $200.9M18%Noninterest $42.6MQ2 2025Q2 2026

NIM

4.55%Q2 ’244.72%Q2 ’254.86%Q2 ’26+2%+7%

Non-interest income vs. expense

1.29%Q2 ’241.31%Q2 ’251.33%Q2 ’260%+9%

Executive Summary

  • Earnings: ROA of 1.39%, up 7 bps year over year; NIM at 2.94%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.06%, up 13 bps from a year ago.
  • Funding: loans stand at 75.34% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.39%+7 bps YoY

Net Interest Margin (YTD, annualized)

2.94%+19 bps YoY

Efficiency Ratio (YTD, annualized)

42.28%-101 bps YoY

Tier 1 Leverage Ratio

15.06%+13 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.32%1.35%1.40%1.41%1.39%+7 bps
Return on Equity9.57%9.71%10.03%9.99%9.81%+24 bps
Net Interest Margin2.75%2.79%2.87%2.86%2.94%+19 bps
Efficiency Ratio43.29%42.79%42.02%41.34%42.28%-101 bps
Non-Interest Burden1.04%1.08%1.09%1.07%1.13%+9 bps
Growth
Asset Growth (YoY)4.39%2.51%4.06%4.02%6.40%+201 bps
Loan Growth (YoY)4.76%3.55%5.94%6.61%4.62%-14 bps
Deposit Growth (YoY)3.95%1.95%3.48%3.50%6.33%+238 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans2.28%2.29%2.24%2.21%2.16%-12 bps
Allowance Coverage of NPLs2000.0x26.0xn/an/an/an/a
Capital
Tier 1 Leverage Ratio14.93%14.76%15.05%14.41%15.06%+13 bps
Total Risk-Based Capital28.02%28.76%28.82%28.93%29.66%+163 bps
Equity / Assets14.27%14.23%13.99%14.19%14.37%+9 bps
Liquidity & Funding
Loans / Deposits76.57%73.53%71.90%74.41%75.34%-123 bps
Liquid Assets / Assets22.42%25.80%26.71%25.27%26.09%+367 bps
CRE / Total Capitaln/a98.99%99.24%95.49%n/an/a