Stevens Point, WI · Cert 9526 · Pineries Bankshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.14% | 1.17% | 1.18% | 1.18% | 1.20% | +5 bps | |
| Return on Equity | 10.60% | 10.80% | 10.85% | 10.67% | 10.64% | +3 bps | |
| Net Interest Margin | 3.05% | 3.03% | 3.08% | 3.18% | 3.21% | +16 bps | |
| Efficiency Ratio | 56.79% | 55.80% | 55.72% | 56.80% | 55.90% | -89 bps | |
| Non-Interest Burden | 1.64% | 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 / Loans | 0.00% | 0.09% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.72% | 0.68% | 0.65% | 0.64% | 0.62% | -10 bps | |
| Allowance Coverage of NPLs | n/a | 7.9x | 309.0x | n/a | 623.0x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.81% | 10.74% | 10.86% | 11.08% | 11.34% | +53 bps | |
| Total Risk-Based Capital | 23.14% | 22.94% | 22.39% | 22.47% | 22.70% | -44 bps | |
| Equity / Assets | 10.89% | 10.98% | 10.98% | 11.21% | 11.53% | +64 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 69.70% | 70.79% | 72.30% | 73.91% | 76.65% | +695 bps | |
| Liquid Assets / Assets | 31.68% | 32.37% | 30.38% | 26.14% | 26.49% | -519 bps | |
| CRE / Total Capital | n/a | 126.59% | 133.24% | 132.88% | n/a | n/a | |