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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 $1.2MQ3 2024Q2 2026
Deposit mix
96%Interest-bearing $18.6M4%Noninterest $0.8MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.36%, down 18 bps year over year; NIM at 3.89%.
  • 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 (quarter, annualized)

0.36%-18 bps YoY

Net Interest Margin (quarter, annualized)

3.89%+42 bps YoY

Efficiency Ratio (quarter, annualized)

76.89%+326 bps YoY

Tier 1 Leverage Ratio

32.00%+2 bps YoY

NIM

5.46%Q2 ’245.56%Q2 ’255.77%Q2 ’26-4%+12%

Non-interest income vs. expense

3.27%Q2 ’242.57%Q2 ’253.05%Q2 ’26-22%+17%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%0.52%0.39%0.53%0.69%0.60%1.18%0.36%-18 bps
Return on Equity3.07%1.57%1.21%1.65%2.18%1.93%3.78%1.11%-54 bps
Net Interest Margin4.49%3.04%3.68%3.47%3.97%3.75%4.14%3.89%+42 bps
Efficiency Ratio74.72%70.78%86.05%73.63%80.19%78.70%66.81%76.89%+326 bps
Non-Interest Burden3.36%2.15%3.17%2.55%3.18%2.95%2.74%2.97%+42 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 / Loans0.01%-0.11%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