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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 $5.2MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $200.9M18%Noninterest $42.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.38%, unchanged from a year ago; NIM at 2.95%.
  • 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.

Return on Assets (quarter, annualized)

1.38%0 bps YoY

Net Interest Margin (quarter, annualized)

2.95%+13 bps YoY

Efficiency Ratio (quarter, annualized)

43.20%+67 bps YoY

Tier 1 Leverage Ratio

15.06%+13 bps YoY

NIM

4.62%Q2 ’244.77%Q2 ’254.92%Q2 ’26+5%+5%

Non-interest income vs. expense

1.29%Q2 ’241.32%Q2 ’251.36%Q2 ’260%+12%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.24%1.30%1.26%1.38%1.43%1.53%1.41%1.38%0 bps
Return on Equity8.94%9.58%9.30%9.88%10.03%10.86%9.99%9.70%-19 bps
Net Interest Margin2.60%2.75%2.59%2.81%3.03%3.11%2.86%2.95%+13 bps
Efficiency Ratio43.43%42.86%44.08%42.53%41.83%39.94%41.34%43.20%+67 bps
Non-Interest Burden0.98%1.04%1.00%1.03%1.22%1.12%1.07%1.16%+12 bps
Growth
Asset Growth (YoY)10.37%9.10%5.55%4.39%2.51%4.06%4.02%6.40%+201 bps
Loan Growth (YoY)-0.49%-1.43%0.37%4.76%3.55%5.94%6.61%4.62%-14 bps
Deposit Growth (YoY)10.03%9.89%5.49%3.95%1.95%3.48%3.50%6.33%+238 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.09%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.05%-0.07%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans2.35%2.38%2.37%2.28%2.29%2.24%2.21%2.16%-12 bps
Allowance Coverage of NPLsn/an/a800.0x2000.0x26.0xn/an/an/an/a
Capital
Tier 1 Leverage Ratio14.74%14.63%14.09%14.93%14.76%15.05%14.41%15.06%+13 bps
Total Risk-Based Capital28.43%28.66%29.08%28.02%28.76%28.82%28.93%29.66%+163 bps
Equity / Assets13.74%13.45%13.74%14.27%14.23%13.99%14.19%14.37%+9 bps
Liquidity & Funding
Loans / Deposits72.39%70.24%72.24%76.57%73.53%71.90%74.41%75.34%-123 bps
Liquid Assets / Assets25.32%27.19%26.68%22.42%25.80%26.71%25.27%26.09%+367 bps
CRE / Total Capitaln/an/an/an/a98.99%99.24%95.49%n/an/a