Peshtigo, WI · Cert 5317 · Peshtigo National Bcorp Inc.
National charter · OCC · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets in WI (n=110 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
45
Asset Quality
73
Profitability
19
Liquidity
77
Efficiency
17
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.
Peshtigo, WI · Cert 5317 · Peshtigo National Bcorp Inc.
National charter · OCC · 6 branches
Q2 2026
Market Position · Green Bay, WI · 2026 SOD (annual) · 0.5% share · #15 of 20 inst. · $0.1B of $14.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | 0.22% | 0.23% | 0.31% | 0.34% | 0.38% | 0.45% | 0.52% | +21 bps | |
| Return on Equity | 3.14% | 3.90% | 3.94% | 5.02% | 5.40% | 5.90% | 6.48% | 7.39% | +238 bps | |
| Net Interest Margin | 2.55% | 2.58% | 2.70% | 2.80% | 2.83% | 2.85% | 3.09% | 3.19% | +38 bps | |
| Efficiency Ratio | 91.12% | 89.63% | 89.41% | 86.35% | 85.07% | 83.22% | 80.55% | 77.00% | -935 bps | |
| Non-Interest Burden | 2.30% | 2.28% | 2.39% | 2.39% | 2.37% | 2.33% | 2.44% | 2.40% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.47% | 1.28% | 5.89% | 7.01% | 5.56% | 7.86% | 3.96% | 3.60% | -341 bps | |
| Loan Growth (YoY) | 7.70% | 4.97% | 7.09% | 5.76% | 6.76% | 7.95% | 11.80% | 12.24% | +648 bps | |
| Deposit Growth (YoY) | 1.93% | 5.30% | 8.08% | 8.46% | 9.89% | 6.86% | 3.16% | 0.84% | -762 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.01% | 0.01% | 0.02% | 0.01% | 0.00% | 0.00% | 0.00% | -2 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | -0.01% | -1 bps | |
| Allowance / Loans | 1.10% | 1.11% | 1.11% | 1.10% | 1.09% | 1.11% | 1.09% | 1.14% | +4 bps | |
| Allowance Coverage of NPLs | 146.6x | 160.3x | 195.3x | 60.1x | 80.5x | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.96% | 8.95% | 8.83% | 8.95% | 8.92% | 8.70% | 8.76% | 8.99% | +4 bps | |
| Total Risk-Based Capital | 16.42% | 15.93% | 15.76% | 15.82% | 15.95% | 15.11% | 15.18% | 15.27% | -55 bps | |
| Equity / Assets | 6.35% | 5.75% | 6.04% | 6.66% | 6.90% | 7.02% | 6.92% | 7.24% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.87% | 70.95% | 70.64% | 72.29% | 71.77% | 71.67% | 76.56% | 80.46% | +817 bps | |
| Liquid Assets / Assets | 5.38% | 3.92% | 6.16% | 5.16% | 6.45% | 4.63% | 1.45% | 0.45% | -471 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 148.83% | 143.75% | 163.66% | n/a | n/a | |
Peshtigo, WI · Cert 5317 · Peer group: banks under $1B in assets in WI (n=110-113) · Peshtigo National Bcorp Inc.
National charter · OCC · 6 branches
Q2 2026
Return on Assets
0.52%
Rank 103 of 113
Net Interest Margin
3.19%
Rank 85 of 113
Efficiency Ratio
77.00%
Rank 95 of 113
Equity / Assets
7.24%
Rank 109 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.52% | 0.85% | 1.17% | 1.51% | Beats 9% | 103 / 113 | ||
| Return on Equity | 7.23% | 7.70% | 10.77% | 13.67% | Beats 22% | 88 / 113 | ||
| Net Interest Margin | 3.19% | 3.19% | 3.59% | 3.89% | Beats 25% | 85 / 113 | ||
| Efficiency Ratio | 77.00% | 54.61% | 62.43% | 71.88% | Beats 17% | 95 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.03% | 0.24% | 0.91% | Beats 100% | 16 / 110 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 45% | 63 / 110 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.06% | 11.22% | 12.95% | 15.76% | Beats 64% | 41 / 113 | ||
| Total Risk-Based Capital Ratio | 15.27% | 11.57% | 13.59% | 16.73% | Beats 67% | 37 / 113 | ||
| Equity / Assets | 7.24% | 9.17% | 10.74% | 13.13% | Beats 4% | 109 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.46% | 76.54% | 86.37% | 98.93% | 38th pctl | 70 / 112 | ||
| Loans / Assets | 67.29% | 63.07% | 71.33% | 78.84% | 37th pctl | 71 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||