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Peoples Community Bank SB of Monticello, Indiana

Monticello, IN · Cert 30065

SL · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

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.

Peer group

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.

Peer standing

Capital

96

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

36

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

33

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Peoples Community Bank SB of Monticello, Indiana

Monticello, IN · Cert 30065

SL · FDIC · 1 branch

Q2 2026

$42.7MAssets
$40.0MLoans
$19.5MDeposits
$13.7MEquity
Loan mix
93%RE $37.0M4%C&I $1.7M3%Consumer $1.2MQ3 2024Q2 2026
Deposit mix
96%Interest-bearing $18.6M4%Noninterest $0.8MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.77%, up 31 bps year over year; NIM at 4.05%.
  • Asset quality: problem loans at 2.84% of loans (+210 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 32.00%, up 2 bps from a year ago.
  • Funding: loans stand at 205.86% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.77%+31 bps YoY

Net Interest Margin (YTD, annualized)

4.05%+50 bps YoY

Efficiency Ratio (YTD, annualized)

71.66%-832 bps YoY

Tier 1 Leverage Ratio

32.00%+2 bps YoY

NIM

5.39%Q2 ’245.61%Q2 ’255.97%Q2 ’26-4%+14%

Non-interest income vs. expense

3.21%Q2 ’242.85%Q2 ’252.96%Q2 ’26-11%+1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.59%0.57%0.39%0.46%0.54%0.55%1.18%0.77%+31 bps
Return on Equity1.78%1.73%1.21%1.43%1.68%1.74%3.78%2.44%+101 bps
Net Interest Margin3.93%3.65%3.68%3.55%3.68%3.66%4.14%4.05%+50 bps
Efficiency Ratio82.06%79.72%86.05%79.97%80.05%79.71%66.81%71.66%-832 bps
Non-Interest Burden3.22%2.91%3.17%2.84%2.94%2.92%2.74%2.88%+4 bps
Growth
Asset Growth (YoY)0.61%6.16%2.29%4.02%8.98%7.45%4.28%2.08%-194 bps
Loan Growth (YoY)-2.93%0.63%1.43%5.77%12.53%11.06%7.62%3.16%-261 bps
Deposit Growth (YoY)3.60%12.44%10.13%16.63%16.14%12.61%4.08%-1.48%-1,811 bps
Asset Quality
Nonperforming Loans / Loans1.70%1.29%0.99%0.74%0.87%3.31%2.76%2.84%+210 bps
Net Charge-Offs / Loans0.04%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.95%0.94%0.94%0.89%0.87%0.87%0.91%0.90%+1 bps
Allowance Coverage of NPLs0.6x0.7x1.0x1.2x1.0x0.3x0.3x0.3x-0.9x
Capital
Tier 1 Leverage Ratio33.26%32.76%32.28%31.98%31.96%31.73%31.38%32.00%+2 bps
Total Risk-Based Capital33.26%32.76%32.28%31.98%31.96%31.73%31.38%32.00%+2 bps
Equity / Assets33.27%32.66%32.36%31.90%31.04%30.93%31.78%31.97%+7 bps
Liquidity & Funding
Loans / Deposits199.72%199.92%193.86%196.61%193.51%197.18%200%206%+925 bps
Liquid Assets / Assets7.01%5.54%5.76%5.75%6.19%4.13%5.75%4.87%-88 bps
CRE / Total Capitaln/an/an/an/a38.90%44.30%36.71%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Peoples Community Bank SB of Monticello, Indiana

Monticello, IN · Cert 30065 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

SL · FDIC · 1 branch

Q2 2026

$42.7MAssets
$40.0MLoans
$19.5MDeposits
$13.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: nonperforming loans / loans trails 94% of banks under $1B in assets operating in a single state (rank 698 of 743).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.78%

Rank 531 of 746

Net Interest Margin

4.05%

Rank 229 of 746

Efficiency Ratio

71.66%

Rank 502 of 746

Equity / Assets

31.97%

Rank 12 of 746

Non-interest income vs. expense

$0.0M$1.3MINCOMEEXPENSE
Unfavorable gap of $1.2M · efficiency ratio beats 33% of banks under $1B in assets operating in a single state
Bank 71.66%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.78%0.72%1.06%1.45%Beats 29%531 / 746
Return on Equity2.43%6.74%10.51%13.63%Beats 10%672 / 746
Net Interest Margin4.05%3.17%3.68%4.16%Beats 69%229 / 746
Efficiency Ratio71.66%55.74%64.58%75.47%Beats 33%502 / 746
Asset Quality
Nonperforming Loans / Loans2.84%0.09%0.42%1.07%Beats 6%698 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio32.00%11.55%13.75%17.60%Beats 96%32 / 746
Total Risk-Based Capital Ratio32.00%11.71%14.33%18.43%Beats 95%34 / 746
Equity / Assets31.97%8.90%10.51%13.06%Beats 98%12 / 746
Liquidity & Funding
Loans / Deposits206%61.31%78.27%90.78%100th pctl2 / 746
Loans / Assets93.73%53.60%66.97%76.08%100th pctl2 / 746
Brokered Deposits / Depositsn/aNot reported for this institution