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Letter portraitLegal landscapeQuarterYTD

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