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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 $3.7MQ3 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