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
Unfavorable gap of $2.5M · efficiency ratio beats 71% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.20% | 0.85% | 1.17% | 1.51% | Beats 52% | 54 / 112 | |
| Return on Equity | 10.37% | 7.87% | 10.91% | 13.85% | Beats 44% | 63 / 112 | |
| Net Interest Margin | 3.21% | 3.19% | 3.59% | 3.89% | Beats 27% | 82 / 112 | |
| Efficiency Ratio | 55.90% | 54.87% | 62.73% | 72.61% | Beats 71% | 33 / 112 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.03% | 0.22% | 0.91% | Beats 83% | 19 / 109 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 100% | 36 / 109 | |
| Capital |
| Tier 1 Capital Ratio | 21.83% | 11.22% | 12.95% | 15.76% | Beats 88% | 14 / 112 | |
| Total Risk-Based Capital Ratio | 22.70% | 11.57% | 13.59% | 16.73% | Beats 88% | 14 / 112 | |
| Equity / Assets | 11.53% | 9.17% | 10.74% | 13.13% | Beats 61% | 44 / 112 | |
| Liquidity & Funding |
| Loans / Deposits | 76.65% | 75.89% | 86.36% | 98.49% | 27th pctl | 81 / 111 | |
| Loans / Assets | 67.07% | 64.03% | 71.52% | 78.98% | 35th pctl | 73 / 112 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |