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Peoples State Bank

$100M-$1B Specialty: Agricultural WI FDIC cert 12814

Prairie Du Chien, WI

19 branches across WI · IA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 110 in WI.
  • Deposits +1.8% year over year ($810.8M on the books).
  • Delinquency rate 0.21%.
  • Return on assets 1.47%.
  • Efficiency ratio 58.70% vs a 64.48% peer average.
  • Loan-to-deposit ratio 78.56% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 110 in WI
View $100M-$1B leaderboard (WI) →

Peoples State Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.15% above tier average
  • + Efficiency Ratio 5.78% below tier average
  • + Delinquency Rate 0.71% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 15.5% in tier
  • - Net Interest Margin 0.25% below tier average
Get updates when Peoples State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $993.0M
+8.0% YoY +2.0% QoQ
+$606.4M $386.6M
+1.2% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
Top 0.2% in tier
Total Loans ? $636.9M
+13.3% YoY +1.4% QoQ
+$378.5M $258.3M
+1.7% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
Top 4.6% in tier
Total Deposits ? $810.8M
+1.8% YoY +2.4% QoQ
+$484.0M $326.7M
+0.7% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
Top 1.6% in tier
Return on Assets ? 1.47%
+42.4% YoY +5.6% QoQ
+0.15% 1.32%
+10.8% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
64%
Net Interest Margin ? 3.74%
+14.0% YoY +4.5% QoQ
-0.25% 3.99%
+5.0% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
39%
Efficiency Ratio ? 58.70%
-13.3% YoY -3.0% QoQ
-5.78% 64.48%
-3.2% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
61%
Delinquency Rate ? 0.21%
+34.8% YoY -4.0% QoQ
-0.71% 0.92%
+15.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
64%
Loan-to-Deposit Ratio ? 78.56%
+11.3% YoY -1.0% QoQ
+0.60% 77.95%
+1.0% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
52%
Non-Interest-Bearing Deposit Share ? 23.32%
-20.6% YoY +0.2% QoQ
+1.29% 22.03%
-0.6% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
60%
Nonperforming Asset Ratio ? 0.14%
+41.4% YoY -4.6% QoQ
-0.53% 0.67%
+16.4% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
67%
Tier 1 Capital Ratio ? 16.02%
-5.1% YoY +1.1% QoQ
+0.11% 15.91%
+1.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
72%
Non-Interest Income / Assets ? 0.17%
-9.4% YoY +99.1% QoQ
-0.39% 0.57%
+7.6% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
42%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Noninterest-Bearing 23.3%
-6.1pp YoY
0.0pp QoQ
 +1.2pp 22.1% 18.9% 22.2% 60%
Brokered Deposits n/a n/a 7.9% 9.2% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
C&I 11.4%
-0.8pp YoY
-0.7pp QoQ
 -0.2pp 11.6% 10.5% 12.5% 61%
CRE 27.8%
+5.2pp YoY
+1.6pp QoQ
 -11.7pp 39.5% 46.4% 41.4% 31%
1-4 Family 18.9%
-0.8pp YoY
-0.3pp QoQ
 -13.7pp 32.6% 32.3% 31.3% 28%
Consumer 1.5%
-0.1pp YoY
0.0pp QoQ
 -2.6pp 4.1% 2.6% 5.0% 39%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio 16.0%
-0.9pp YoY
+0.2pp QoQ
 -2.8pp 18.8% 15.5% 19.7% 58%
Leverage Ratio 11.5%
+0.2pp YoY
+0.2pp QoQ
 -0.6pp 12.2% 12.6% 12.6% 58%
Total Capital Ratio 17.3%
-0.9pp YoY
+0.2pp QoQ
 -2.7pp 19.9% 16.6% 20.8% 58%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 148
-3 (-2.0%) YoY
-2 (-1.3%) QoQ
 +89 58 134 482 97%
Assets per Employee ($) $6.7M
+10.2% YoY
+3.4% QoQ
 -$809K $7.5M $8.2M $8.8M 47%
Branch Count 19
0 YoY
0 QoQ
 +14 4 9 18 99%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.2%
+0.1pp YoY
0.0pp QoQ
 -0.7pp 0.9% 0.9% 1.0% 31%
Allowance Coverage 7.00x
-33.1% YoY
+5.1% QoQ
 -17.15x 24.15x 56.89x 20.23x 77%
Net Charge-off Rate (YTD) -0.0%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.0% 0.2% 6%

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 14.8%
+2.8pp YoY
+0.7pp QoQ
 +2.6pp 12.2% 11.8% 11.6% 66%
Cost of Funds (YTD) 1.5%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.8% 1.7% 37%
Net Income ($, YTD) $7.2M
+53.5% YoY
— QoQ
 +$4.6M $2.6M $7.9M $40.4M 96%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk
#195 of 1256 • Bottom 15.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.21%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

6
Total Assets
size
Value: $992.96M
Peer Median: $386.57M
#6 of 2643 Top 0.2% in $100M-$1B
43
Total Deposits
size
Value: $810.76M
Peer Median: $326.73M
#43 of 2643 Top 1.6% in $100M-$1B
123
Total Loans
size
Value: $636.89M
Peer Median: $258.35M
#123 of 2643 Top 4.6% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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