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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 $5.6MQ3 2024Q2 2026
Deposit mix
71%Interest-bearing $177.4M29%Noninterest $73.5MQ3 2024Q2 2026

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 0.52%, up 21 bps year over year; NIM at 3.19%.
  • 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.

Return on Assets (YTD, annualized)

0.52%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.19%+38 bps YoY

Efficiency Ratio (YTD, annualized)

77.00%-935 bps YoY

Tier 1 Leverage Ratio

8.99%+4 bps YoY

NIM

4.05%Q2 ’244.32%Q2 ’254.67%Q2 ’26+9%+14%

Non-interest income vs. expense

2.57%Q2 ’242.62%Q2 ’252.65%Q2 ’26+3%+0%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.18%0.22%0.23%0.31%0.34%0.38%0.45%0.52%+21 bps
Return on Equity3.14%3.90%3.94%5.02%5.40%5.90%6.48%7.39%+238 bps
Net Interest Margin2.55%2.58%2.70%2.80%2.83%2.85%3.09%3.19%+38 bps
Efficiency Ratio91.12%89.63%89.41%86.35%85.07%83.22%80.55%77.00%-935 bps
Non-Interest Burden2.30%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 / Loans0.01%0.01%0.01%0.02%0.01%0.00%0.00%0.00%-2 bps
Net Charge-Offs / Loans0.00%-0.01%0.00%0.00%0.00%0.01%0.00%-0.01%-1 bps
Allowance / Loans1.10%1.11%1.11%1.10%1.09%1.11%1.09%1.14%+4 bps
Allowance Coverage of NPLs146.6x160.3x195.3x60.1x80.5xn/an/an/an/a
Capital
Tier 1 Leverage Ratio8.96%8.95%8.83%8.95%8.92%8.70%8.76%8.99%+4 bps
Total Risk-Based Capital16.42%15.93%15.76%15.82%15.95%15.11%15.18%15.27%-55 bps
Equity / Assets6.35%5.75%6.04%6.66%6.90%7.02%6.92%7.24%+58 bps
Liquidity & Funding
Loans / Deposits73.87%70.95%70.64%72.29%71.77%71.67%76.56%80.46%+817 bps
Liquid Assets / Assets5.38%3.92%6.16%5.16%6.45%4.63%1.45%0.45%-471 bps
CRE / Total Capitaln/an/an/an/a148.83%143.75%163.66%n/an/a