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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 $1.2MQ2 2025Q2 2026
Deposit mix
96%Interest-bearing $18.6M4%Noninterest $0.8MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.46%0.54%0.55%1.18%0.77%+31 bps
Return on Equity1.43%1.68%1.74%3.78%2.44%+101 bps
Net Interest Margin3.55%3.68%3.66%4.14%4.05%+50 bps
Efficiency Ratio79.97%80.05%79.71%66.81%71.66%-832 bps
Non-Interest Burden2.84%2.94%2.92%2.74%2.88%+4 bps
Growth
Asset Growth (YoY)4.02%8.98%7.45%4.28%2.08%-194 bps
Loan Growth (YoY)5.77%12.53%11.06%7.62%3.16%-261 bps
Deposit Growth (YoY)16.63%16.14%12.61%4.08%-1.48%-1,811 bps
Asset Quality
Nonperforming Loans / Loans0.74%0.87%3.31%2.76%2.84%+210 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.89%0.87%0.87%0.91%0.90%+1 bps
Allowance Coverage of NPLs1.2x1.0x0.3x0.3x0.3x-0.9x
Capital
Tier 1 Leverage Ratio31.98%31.96%31.73%31.38%32.00%+2 bps
Total Risk-Based Capital31.98%31.96%31.73%31.38%32.00%+2 bps
Equity / Assets31.90%31.04%30.93%31.78%31.97%+7 bps
Liquidity & Funding
Loans / Deposits196.61%193.51%197.18%200%206%+925 bps
Liquid Assets / Assets5.75%6.19%4.13%5.75%4.87%-88 bps
CRE / Total Capitaln/a38.90%44.30%36.71%n/an/a