The Peoples Community Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 931.63 percentage points in Q2 2026, from 1540.54% to 608.91%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, The Peoples Community Bank is 39th of 153 on return on assets, 1.64% as of Q2 2026, above the middle of the field. The Peoples Community Bank reported 1.64% on return on assets for Q2 2026, 0.39 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.76% |
| Equity capital to assets | 11.93% |
| Tangible equity to tangible assets | 11.32% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.22% |
| Non-performing assets ratio | 0.14% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 1.19% |
| Allowance for credit losses to loans | 1.36% |
| Reserve coverage of non-performing loans | 608.91% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.64% |
| Return on equity | 14.08% |
| Net interest margin | 3.75% |
| Efficiency ratio | 53.80% |
| Yield on earning assets | 5.18% |
| Cost of funds | 1.48% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.69% |
| Core deposits to total deposits | 94.76% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.38% |
| Securities to assets | 27.99% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.20% | 1.40% | 3.15% | 0.89% | 0.00% |
| Q4 2023 | 12.71% | 0.26% | 3.13% | 0.85% | 0.00% |
| Q1 2024 | 12.61% | 1.04% | 2.94% | 0.21% | 0.00% |
| Q2 2024 | 12.96% | 0.98% | 2.94% | 0.20% | 0.00% |
| Q3 2024 | 13.07% | 1.20% | 3.03% | 0.21% | 0.00% |
| Q4 2024 | 12.70% | 1.22% | 3.15% | 0.15% | 0.01% |
| Q1 2025 | 12.72% | 1.26% | 3.13% | 0.15% | 0.01% |
| Q2 2025 | 13.08% | 1.36% | 3.37% | 0.17% | 0.00% |
| Q3 2025 | 12.79% | 1.41% | 3.46% | 0.13% | -0.01% |
| Q4 2025 | 12.68% | 1.13% | 3.56% | 0.09% | -0.01% |
| Q1 2026 | 12.59% | 1.46% | 3.44% | 0.09% | -0.09% |
| Q2 2026 | 12.76% | 1.64% | 3.75% | 0.22% | 0.01% |
The Peoples Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Peoples Community Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Peoples Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15046) · FFIEC NIC profile (RSSD 420644)