PackageTrendsPeer
Letter portraitLegal landscape

Pineries Bank, The

Stevens Point, WI · Cert 9526 · Pineries Bankshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in WI3

Basis

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.

Peer group

Banks under $1B in assets in WI (n=109 to 112). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

79

Q2 2024Q2 2026peer median (50)

Asset Quality

92

Q2 2024Q2 2026peer median (50)

Profitability

41

Q2 2024Q2 2026peer median (50)

Liquidity

62

Q2 2024Q2 2026peer median

Efficiency

71

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Pineries Bank, The

Stevens Point, WI · Cert 9526 · Pineries Bankshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$149.1MAssets
$100.0MLoans
$130.5MDeposits
$17.2MEquity
Loan mix
94%RE $90.8M2%C&I $1.9M4%Consumer $3.7MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $106.5M18%Noninterest $24.0MQ2 2025Q2 2026

NIM

4.21%Q2 ’244.52%Q2 ’254.71%Q2 ’26+11%+5%

Non-interest income vs. expense

1.75%Q2 ’241.85%Q2 ’251.90%Q2 ’26+7%+4%

Executive Summary

  • Earnings: ROA of 1.20%, up 5 bps year over year; NIM at 3.21%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.34%, up 53 bps from a year ago.
  • Funding: loans stand at 76.65% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.20%+5 bps YoY

Net Interest Margin (YTD, annualized)

3.21%+16 bps YoY

Efficiency Ratio (YTD, annualized)

55.90%-89 bps YoY

Tier 1 Leverage Ratio

11.34%+53 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.14%1.17%1.18%1.18%1.20%+5 bps
Return on Equity10.60%10.80%10.85%10.67%10.64%+3 bps
Net Interest Margin3.05%3.03%3.08%3.18%3.21%+16 bps
Efficiency Ratio56.79%55.80%55.72%56.80%55.90%-89 bps
Non-Interest Burden1.64%1.60%1.62%1.71%1.70%+6 bps
Growth
Asset Growth (YoY)5.83%5.77%4.75%5.50%2.99%-284 bps
Loan Growth (YoY)9.04%5.74%6.45%9.14%12.42%+338 bps
Deposit Growth (YoY)5.47%5.06%4.20%5.05%2.22%-325 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.72%0.68%0.65%0.64%0.62%-10 bps
Allowance Coverage of NPLsn/a7.9x309.0xn/a623.0xn/a
Capital
Tier 1 Leverage Ratio10.81%10.74%10.86%11.08%11.34%+53 bps
Total Risk-Based Capital23.14%22.94%22.39%22.47%22.70%-44 bps
Equity / Assets10.89%10.98%10.98%11.21%11.53%+64 bps
Liquidity & Funding
Loans / Deposits69.70%70.79%72.30%73.91%76.65%+695 bps
Liquid Assets / Assets31.68%32.37%30.38%26.14%26.49%-519 bps
CRE / Total Capitaln/a126.59%133.24%132.88%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Pineries Bank, The

Stevens Point, WI · Cert 9526 · Peer group: banks under $1B in assets in WI (n=109-112) · Pineries Bankshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$149.1MAssets
$100.0MLoans
$130.5MDeposits
$17.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in WI (rank 36 of 109).
  • Widest gap: net interest margin trails 73% of banks under $1B in assets in WI (rank 82 of 112).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.20%

Rank 54 of 112

Net Interest Margin

3.21%

Rank 82 of 112

Efficiency Ratio

55.90%

Rank 33 of 112

Equity / Assets

11.53%

Rank 44 of 112

Non-interest income vs. expense

$0.3M$2.8MINCOMEEXPENSE
Unfavorable gap of $2.5M · efficiency ratio beats 71% of banks under $1B in assets in WI
Bank 55.90%Peer median 62.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.20%0.85%1.17%1.51%Beats 52%54 / 112
Return on Equity10.37%7.87%10.91%13.85%Beats 44%63 / 112
Net Interest Margin3.21%3.19%3.59%3.89%Beats 27%82 / 112
Efficiency Ratio55.90%54.87%62.73%72.61%Beats 71%33 / 112
Asset Quality
Nonperforming Loans / Loans0.00%0.03%0.22%0.91%Beats 83%19 / 109
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 100%36 / 109
Capital
Tier 1 Capital Ratio21.83%11.22%12.95%15.76%Beats 88%14 / 112
Total Risk-Based Capital Ratio22.70%11.57%13.59%16.73%Beats 88%14 / 112
Equity / Assets11.53%9.17%10.74%13.13%Beats 61%44 / 112
Liquidity & Funding
Loans / Deposits76.65%75.89%86.36%98.49%27th pctl81 / 111
Loans / Assets67.07%64.03%71.52%78.98%35th pctl73 / 112
Brokered Deposits / Depositsn/aNot reported for this institution