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The Peoples Community Bank

$100M-$1B Specialty: Commercial WI FDIC cert 15046

Mazomanie, WI

6 branches across WI

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 +4.5% year over year ($339.7M on the books).
  • Delinquency rate 0.14%.
  • Return on assets 1.58%.
  • Efficiency ratio 55.86% vs a 64.48% peer average.
  • Loan-to-deposit ratio 72.68% 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) →

The Peoples Community Bank has 4 strengths but faces 3 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

  • + Revenue Diversifier: Top 46.1% in tier
  • + ROA 0.26% above tier average
  • + Efficiency Ratio 8.62% below tier average
  • + Delinquency Rate 0.78% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 18.3% in tier
  • - Credit Risk Growth: Bottom 35.6% in tier
  • - Net Interest Margin 0.24% below tier average
Get updates when The Peoples Community 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 ? $388.8M
+5.3% YoY -1.3% QoQ
+$2.2M $386.6M
+1.2% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
60%
Total Loans ? $246.9M
+8.2% YoY +2.3% QoQ
-$11.4M $258.3M
+1.7% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
58%
Total Deposits ? $339.7M
+4.5% YoY -1.4% QoQ
+$13.0M $326.7M
+0.7% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
61%
Return on Assets ? 1.58%
+21.2% YoY +6.2% QoQ
+0.26% 1.32%
+10.8% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
70%
Net Interest Margin ? 3.74%
+10.7% YoY +3.1% QoQ
-0.24% 3.99%
+5.0% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
39%
Efficiency Ratio ? 55.86%
-5.1% YoY -2.7% QoQ
-8.62% 64.48%
-3.2% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
70%
Delinquency Rate ? 0.14%
+331.6% YoY
-0.78% 0.92%
+15.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
71%
Loan-to-Deposit Ratio ? 72.68%
+3.6% YoY +3.8% QoQ
-5.27% 77.95%
+1.0% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
65%
Non-Interest-Bearing Deposit Share ? 25.77%
+13.1% YoY +8.9% QoQ
+3.74% 22.03%
-0.6% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
69%
Nonperforming Asset Ratio ? 0.09%
+343.6% YoY
-0.58% 0.67%
+16.4% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
73%
Tier 1 Capital Ratio ? 12.76%
-2.5% YoY +1.3% QoQ
-3.15% 15.91%
+1.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
45%
Non-Interest Income / Assets ? 0.46%
+2.5% YoY +107.0% QoQ
-0.10% 0.57%
+7.6% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
Top 10.8% in tier

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 25.8%
+3.0pp YoY
+2.1pp QoQ
 +3.6pp 22.1% 18.9% 22.2% 68%
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 6.9%
-1.6pp YoY
+0.2pp QoQ
 -4.7pp 11.6% 10.5% 12.5% 32%
CRE 46.4%
+5.2pp YoY
-0.3pp QoQ
 +6.8pp 39.5% 46.4% 41.4% 64%
1-4 Family 27.6%
-0.3pp YoY
+0.6pp QoQ
 -5.1pp 32.6% 32.3% 31.3% 46%
Consumer 1.9%
-0.4pp YoY
-0.3pp QoQ
 -2.2pp 4.1% 2.6% 5.0% 46%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.5% 19.7% n/a
Leverage Ratio 12.8%
-0.3pp YoY
+0.2pp QoQ
 +0.6pp 12.2% 12.6% 12.6% 73%
Total Capital Ratio n/a n/a 19.9% 16.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 54
+2 (+3.8%) YoY
+3 (+5.9%) QoQ
 -5 58 134 482 57%
Assets per Employee ($) $7.2M
+1.4% YoY
-6.8% QoQ
 -$319K $7.5M $8.2M $8.8M 56%
Branch Count 6
0 YoY
0 QoQ
 +1 4 9 18 66%

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 0.1%
+0.1pp YoY
 -0.8pp 0.9% 0.9% 1.0% 23%
Allowance Coverage 10.02x
-78.2% YoY
-99.7% QoQ
 -14.14x 24.15x 56.89x 20.23x 82%
Net Charge-off Rate (YTD) -0.0%
0.0pp 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 13.4%
+1.6pp YoY
+0.7pp QoQ
 +1.2pp 12.2% 11.8% 11.6% 59%
Cost of Funds (YTD) 1.5%
-0.2pp YoY
-0.1pp QoQ
 -0.2pp 1.7% 1.8% 1.7% 39%
Net Income ($, YTD) $3.1M
+27.1% YoY
— QoQ
 +$546K $2.6M $7.9M $40.4M 71%

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 (1)

Revenue Diversifier

growth
#306 of 661 • Top 46.1% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.46%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 1.58%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk
#231 of 1256 • Bottom 18.3% in tier

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

Why this signature
Delinquency Rate: 0.14%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Credit Risk Growth

risk
#334 of 936 • Bottom 35.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

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 (1 metrics)

287
Non-Interest Income / Assets
revenue_mix
Value: 0.46%
Peer Median: 0.57%
#287 of 2643 Top 10.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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