| Metric | Peoples State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +4.9% | +3.1 pts |
| Deposit growth (YoY) | +1.8% | +4.3% | -2.6 pts |
| Loan growth (YoY) | +13.3% | +5.3% | +7.9 pts |
| ROA | 1.47% | 1.28% | +0.2 pts |
| ROE | 14.8% | 12.4% | +2.3 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $993.0M | $810.8M | $636.9M | $100.8M | $7.2M | 1.47% | 3.74% | 0.14% |
| Q1 2026 | $973.3M | $792.0M | $628.3M | $96.0M | $3.4M | 1.40% | 3.58% | 0.14% |
| Q4 2025 | $966.3M | $779.1M | $606.5M | $95.9M | $11.2M | 1.21% | 3.43% | 0.18% |
| Q3 2025 | $934.6M | $778.3M | $575.1M | $90.1M | $7.6M | 1.10% | 3.37% | 0.21% |
| Q2 2025 | $919.2M | $796.6M | $562.2M | $84.2M | $4.7M | 1.04% | 3.28% | 0.10% |
| Q1 2025 | $910.6M | $795.4M | $563.0M | $78.0M | $1.8M | 0.81% | 3.12% | 0.08% |
| Q4 2024 | $890.6M | $777.9M | $544.3M | $73.4M | $6.6M | 0.72% | 2.85% | 0.08% |
| Q3 2024 | $925.9M | $768.2M | $547.2M | $79.2M | $4.5M | 0.66% | 2.79% | 0.12% |
Loan mix (Q2 2026): real estate $476.6M · commercial $72.6M · consumer $9.4M · securities $265.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Peoples State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.47% | 1.28% | 62nd | |
Return on equity Annualized net income ÷ equity or net worth | 14.8% | 12.4% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.7% | 61.2% | 42nd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Peoples State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Peoples State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Peoples State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Peoples State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Peoples State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
19 branches in 5 counties across 2 states (+0 vs 2024) · $796.6M branch deposits. Biggest market: Crawford, WI, ranked 1st with 72.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Crawford, WI | 6 | $425.8M | 72.48% | 1st |
| Grant, WI | 8 | $219.0M | 13.30% | 4th |
| Vernon, WI | 1 | $65.6M | 7.57% | 6th |
| 2 more counties with Pro → | ||||
Wisconsin: 57th with 0.28% · Iowa: 246th with 0.06% · La Crosse-Onalaska metro: 25th, 0.94% ·
Branch count: 2022 19 · 2023 20 · 2024 19 · 2025 19