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Peshtigo National Bank

Peshtigo, WI · Cert 5317 · Peshtigo National Bcorp Inc.

National charter · OCC · 6 branches

Q2 2026

$300.0MAssets
$201.8MLoans
$250.8MDeposits
$21.7MEquity
Loan mix
89%RE $152.5M7%C&I $12.7M3%Consumer $5.6MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $177.4M29%Noninterest $73.5MQ2 2025Q2 2026

NIM

4.08%Q2 ’244.43%Q2 ’254.73%Q2 ’26+12%+12%

Non-interest income vs. expense

2.58%Q2 ’242.63%Q2 ’252.57%Q2 ’26+3%-3%

Market Position · Green Bay, WI · 2026 SOD (annual) · 0.5% share · #15 of 20 inst. · $0.1B of $14.9B

14.2% Marinette
17.7% Oconto
4.7% Langlade

Executive Summary

  • Earnings: ROA of 0.59%, up 21 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 0.00% of loans (-2 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 8.99%, up 4 bps from a year ago.
  • Funding: loans stand at 80.46% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.59%+21 bps YoY

Net Interest Margin (quarter, annualized)

3.25%+34 bps YoY

Efficiency Ratio (quarter, annualized)

73.57%-993 bps YoY

Tier 1 Leverage Ratio

8.99%+4 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.38%0.41%0.49%0.45%0.59%+21 bps
Return on Equity6.04%6.07%7.05%6.48%8.39%+236 bps
Net Interest Margin2.91%2.98%3.11%3.09%3.25%+34 bps
Efficiency Ratio83.50%82.68%78.28%80.55%73.57%-993 bps
Non-Interest Burden2.39%2.42%2.38%2.44%2.32%-6 bps
Growth
Asset Growth (YoY)7.01%5.56%7.86%3.96%3.60%-341 bps
Loan Growth (YoY)5.76%6.76%7.95%11.80%12.24%+648 bps
Deposit Growth (YoY)8.46%9.89%6.86%3.16%0.84%-762 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.01%0.00%0.00%0.00%-2 bps
Net Charge-Offs / Loans0.00%0.00%0.05%0.00%-0.01%-1 bps
Allowance / Loans1.10%1.09%1.11%1.09%1.14%+4 bps
Allowance Coverage of NPLs60.1x80.5xn/an/an/an/a
Capital
Tier 1 Leverage Ratio8.95%8.92%8.70%8.76%8.99%+4 bps
Total Risk-Based Capital15.82%15.95%15.11%15.18%15.27%-55 bps
Equity / Assets6.66%6.90%7.02%6.92%7.24%+58 bps
Liquidity & Funding
Loans / Deposits72.29%71.77%71.67%76.56%80.46%+817 bps
Liquid Assets / Assets5.16%6.45%4.63%1.45%0.45%-471 bps
CRE / Total Capitaln/a148.83%143.75%163.66%n/an/a