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The Pineries Bank

$100M-$1B Specialty: Other WI FDIC cert 9526

Stevens Point, 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 +2.2% year over year ($130.5M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.52%.
  • Efficiency ratio 55.90% vs a 64.48% peer average.
  • Loan-to-deposit ratio 76.17% 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 Pineries Bank has 3 strengths but faces 5 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

  • + Credit Quality Leader: Top 26.1% in tier
  • + ROA 0.19% above tier average
  • + Efficiency Ratio 8.58% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 0.3% in tier
  • - Liquidity Overhang: Bottom 33.8% in tier
  • - Credit Risk Growth: Bottom 50.0% in tier
  • - NIB Deposit Bleed: Bottom 54.9% in tier
  • - Net Interest Margin 0.55% below tier average
Get updates when The Pineries 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 ? $149.1M
+3.0% YoY -0.2% QoQ
-$237.4M $386.6M
+1.2% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
Bottom 13.8% in tier
Total Loans ? $99.4M
+12.5% YoY +3.1% QoQ
-$158.9M $258.3M
+1.7% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
19%
Total Deposits ? $130.5M
+2.2% YoY -0.6% QoQ
-$196.2M $326.7M
+0.7% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
16%
Return on Assets ? 1.52%
+4.5% YoY +1.0% QoQ
+0.19% 1.32%
+10.8% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
66%
Net Interest Margin ? 3.43%
+5.1% YoY +0.7% QoQ
-0.55% 3.99%
+5.0% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
25%
Efficiency Ratio ? 55.90%
-1.6% YoY -1.6% QoQ
-8.58% 64.48%
-3.2% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
70%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
Top 11.9% in tier
Loan-to-Deposit Ratio ? 76.17%
+10.1% YoY +3.7% QoQ
-1.78% 77.95%
+1.0% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
57%
Non-Interest-Bearing Deposit Share ? 18.37%
-15.7% YoY -4.5% QoQ
-3.66% 22.03%
-0.6% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
38%
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
Top 11.0% in tier
Tier 1 Capital Ratio ? 21.83%
-1.7% YoY +1.1% QoQ
+5.92% 15.91%
+1.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
Top 10.7% in tier
Non-Interest Income / Assets ? 0.10%
-1.6% YoY +103.1% QoQ
-0.46% 0.57%
+7.6% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
19%

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 18.4%
-3.4pp YoY
-0.9pp QoQ
 -3.8pp 22.1% 18.9% 22.2% 38%
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 1.9%
-0.3pp YoY
-0.1pp QoQ
 -9.7pp 11.6% 10.5% 12.5% 6%
CRE 23.4%
+1.9pp YoY
+0.9pp QoQ
 -16.1pp 39.5% 46.4% 41.4% 24%
1-4 Family 71.0%
-0.8pp YoY
-0.4pp QoQ
 +38.4pp 32.6% 32.3% 31.3% 94%
Consumer 3.6%
-0.8pp YoY
-0.2pp QoQ
 -0.5pp 4.1% 2.6% 5.0% 66%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio 21.8%
-0.4pp YoY
+0.2pp QoQ
 +3.0pp 18.8% 15.5% 19.7% 82%
Leverage Ratio 11.3%
+0.5pp YoY
+0.3pp QoQ
 -0.8pp 12.2% 12.6% 12.6% 56%
Total Capital Ratio 22.7%
-0.4pp YoY
+0.2pp QoQ
 +2.8pp 19.9% 16.6% 20.8% 82%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 13
+1 (+8.3%) YoY
+2 (+18.2%) QoQ
 -46 58 134 482 2%
Assets per Employee ($) $11.5M
-4.9% YoY
-15.5% QoQ
 +$4.0M $7.5M $8.2M $8.8M 91%
Branch Count 1
0 YoY
0 QoQ
 -4 4 9 18 0%

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 0.0% -0.9pp 0.9% 0.9% 1.0% 0%
Allowance Coverage 623.00x +598.85x 24.15x 56.89x 20.23x 99%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.0% 0.2% 24%

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 13.5%
0.0pp YoY
0.0pp QoQ
 +1.3pp 12.2% 11.8% 11.6% 59%
Cost of Funds (YTD) 1.6%
0.0pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.8% 1.7% 44%
Net Income ($, YTD) $1.1M
+9.1% YoY
— QoQ
 -$1.4M $2.6M $7.9M $40.4M 31%

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)

Credit Quality Leader

growth
#173 of 659 • Top 26.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (4)

Credit Quality Pressure

risk
#5 of 1256 • Bottom 0.3% in tier

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

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Liquidity Overhang

risk
#252 of 742 • Bottom 33.8% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 21.83%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 76.17%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#469 of 936 • Bottom 50.0% 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

NIB Deposit Bleed

decline
#90 of 162 • Bottom 54.9% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 18.37%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 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)

284
Tier 1 Capital Ratio
capital
Value: 21.83%
Peer Median: 15.91%
#284 of 2643 Top 10.7% in $100M-$1B
291
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#291 of 2643 Top 11.0% in $100M-$1B
315
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#315 of 2633 Top 11.9% in $100M-$1B

Top Weaknesses (5 metrics)

2279
Total Assets
size
Value: $149.14M
Peer Median: $386.57M
#2279 of 2643 Bottom 13.8% in $100M-$1B
2230
Total Deposits
size
Value: $130.50M
Peer Median: $326.73M
#2230 of 2643 Bottom 15.7% in $100M-$1B
2146
Total Loans
size
Value: $99.41M
Peer Median: $258.35M
#2146 of 2643 Bottom 18.8% in $100M-$1B
2145
Non-Interest Income / Assets
revenue_mix
Value: 0.10%
Peer Median: 0.57%
#2145 of 2643 Bottom 18.9% in $100M-$1B
1993
Net Interest Margin
profitability
Value: 3.43%
Peer Median: 3.99%
#1993 of 2643 Bottom 24.6% in $100M-$1B
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