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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=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.

Peer standing

Capital

78

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 $3.7MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $106.5M18%Noninterest $24.0MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.06%1.09%1.11%1.14%1.17%1.18%1.18%1.20%+5 bps
Return on Equity10.05%10.33%10.39%10.60%10.80%10.85%10.67%10.64%+3 bps
Net Interest Margin2.80%2.87%3.08%3.05%3.03%3.08%3.18%3.21%+16 bps
Efficiency Ratio57.44%56.79%59.01%56.79%55.80%55.72%56.80%55.90%-89 bps
Non-Interest Burden1.52%1.53%1.73%1.64%1.60%1.62%1.71%1.70%+6 bps
Growth
Asset Growth (YoY)3.10%6.23%5.03%5.83%5.77%4.75%5.50%2.99%-284 bps
Loan Growth (YoY)8.97%10.30%8.60%9.04%5.74%6.45%9.14%12.42%+338 bps
Deposit Growth (YoY)2.35%5.94%4.60%5.47%5.06%4.20%5.05%2.22%-325 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.09%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.74%0.72%0.72%0.72%0.68%0.65%0.64%0.62%-10 bps
Allowance Coverage of NPLsn/an/an/an/a7.9x309.0xn/a623.0xn/a
Capital
Tier 1 Leverage Ratio10.40%10.48%10.80%10.81%10.74%10.86%11.08%11.34%+53 bps
Total Risk-Based Capital21.35%21.32%22.23%23.14%22.94%22.39%22.47%22.70%-44 bps
Equity / Assets10.67%10.55%10.85%10.89%10.98%10.98%11.21%11.53%+64 bps
Liquidity & Funding
Loans / Deposits70.33%70.77%71.14%69.70%70.79%72.30%73.91%76.65%+695 bps
Liquid Assets / Assets31.95%31.08%30.36%31.68%32.37%30.38%26.14%26.49%-519 bps
CRE / Total Capitaln/an/an/an/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=110-113) · 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 37 of 110).
  • Widest gap: net interest margin trails 73% of banks under $1B in assets in WI (rank 83 of 113).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.20%

Rank 55 of 113

Net Interest Margin

3.21%

Rank 83 of 113

Efficiency Ratio

55.90%

Rank 34 of 113

Equity / Assets

11.53%

Rank 45 of 113

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 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.20%0.85%1.17%1.51%Beats 51%55 / 113
Return on Equity10.37%7.70%10.77%13.67%Beats 44%63 / 113
Net Interest Margin3.21%3.19%3.59%3.89%Beats 27%83 / 113
Efficiency Ratio55.90%54.61%62.43%71.88%Beats 71%34 / 113
Asset Quality
Nonperforming Loans / Loans0.00%0.03%0.24%0.91%Beats 84%19 / 110
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 100%37 / 110
Capital
Tier 1 Capital Ratio21.83%11.22%12.95%15.76%Beats 87%15 / 113
Total Risk-Based Capital Ratio22.70%11.57%13.59%16.73%Beats 87%15 / 113
Equity / Assets11.53%9.17%10.74%13.13%Beats 60%45 / 113
Liquidity & Funding
Loans / Deposits76.65%76.54%86.37%98.93%27th pctl82 / 112
Loans / Assets67.07%63.07%71.33%78.84%35th pctl73 / 113
Brokered Deposits / Depositsn/aNot reported for this institution