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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

4.39%Q2 ’244.60%Q2 ’254.77%Q2 ’26+7%+5%

Non-interest income vs. expense

1.73%Q2 ’241.82%Q2 ’251.90%Q2 ’26+4%+7%

Executive Summary

  • Earnings: ROA of 1.21%, up 3 bps year over year; NIM at 3.25%.
  • 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 (quarter, annualized)

1.21%+3 bps YoY

Net Interest Margin (quarter, annualized)

3.25%+15 bps YoY

Efficiency Ratio (quarter, annualized)

55.03%+36 bps YoY

Tier 1 Leverage Ratio

11.34%+53 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.18%1.22%1.19%1.18%1.21%+3 bps
Return on Equity10.83%11.17%10.86%10.67%10.62%-21 bps
Net Interest Margin3.10%3.16%3.24%3.18%3.25%+15 bps
Efficiency Ratio54.67%53.92%55.50%56.80%55.03%+36 bps
Non-Interest Burden1.59%1.61%1.71%1.71%1.69%+10 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