Peshtigo National Bank
Also written as PNB
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Data as of · sourced from FFIEC call reports. How we update
Peshtigo National Bank is an FDIC-insured commercial bank headquartered in Peshtigo, WI, established in 1901 (FDIC certificate 5317), and it is supervised by the OCC. At Q2 2026 it reported total assets of $300.0M, up 3.6% from Q2 2025, the 98th largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 14.06% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 5317
- Headquarters
- Peshtigo, WI
- Established
- 1901
- Total assets, Q2 2026
- $300.0M
- Assets vs Q2 2025
- +3.6%
- CET1 ratio, Q2 2026
- 14.06%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 075906469
- Latest call report
- Q2 2026, FFIEC 051 · Peshtigo National Bank Q3 2026 call report, filed October 27, 2026 (preliminary)
- Holding company
- PESHTIGO NATIONAL BANCORPORATION, INC.
- Asset rank in state
- 98th of 153 in Wisconsin
Peshtigo National Bank, based in Peshtigo, Wisconsin, reported $300 million in assets at June 30, 2026, up 3.6% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 2.7%). On the other hand, it funds 8.99% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Earnings jumped: net income for the quarter was $567,000, 61% above the same quarter a year earlier. Over the same year, loans grew 12.2% and deposits grew 0.8%. Profitability lags: it earns about $0.74 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).
As of June 30, 2026, Peshtigo National Bank reported a CET1 capital ratio of 14.06%, a return on assets of 0.74%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Peshtigo National Bank is the 98th largest of the 153 banks headquartered in Wisconsin. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.2% to $300.0M, loans rose 2.5% and deposits fell 2.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 31.6% of total loans, ahead of farmland and other real estate loans at 23.8%. The FDIC Summary of Deposits lists 6 offices for it, in 6 cities in WI; its Peshtigo office books 33% of its branch deposits. By the capital ratios in its Q2 2026 call report, Peshtigo National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 250 French St, Peshtigo, WI 54157
- County
- Marinette
- Metro Area
- Marinette, WI-MI
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 4, 1901
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 52
- Domestic deposits
- $250.8M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- -$7K
- Average total assets
- $304.9M
- Average total loans
- $200.0M
- Average interest-bearing deposits
- $180.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5317
- Fed RSSD
- 257345
- Website
- www.pnbwi.com →
- Parent Holding Company
- PESHTIGO NATIONAL BANCORPORATION, INC. (RSSD 1210310)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Peshtigo National Bank's total assets ranged from $261.9M (Q3 2023) to $303.3M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$300.0M total assets against $289.5M; $278.3M total liabilities against $270.3M.
$199.5M net loans and leases against $177.8M; $250.8M total deposits against $248.8M.
$86.6M securities against $85.2M; $6.5M cash and balances due against $20.0M.
$3.6M total interest income against $3.3M; $1.1M total interest expense against $1.1M.
$2.5M net interest income against $2.1M.
$190K total noninterest income against $178K; $2.0M total noninterest expense against $1.9M.
$138K provision for credit losses against $30K.
$567K net income against $352K.
0.74% return on assets against 0.48%; 3.43% net interest margin against 3.09%.
14.06% CET1 capital ratio against 14.68%; 8.99% tier 1 leverage ratio against 8.95%.
Inside the full Peshtigo National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePeshtigo National Bank rankings
Its closest position to the top of a national ranking is 1,101 of 2,134, for CET1 ratio; its furthest is 3,473 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.21% (Q3 2024) to 0.74% (Q2 2026) and its net interest margin ran from 2.70% (Q3 2024) to 3.43% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.06% | 0.74% | 0.00% | 0.00% | 3.43% |
| Q1 2026 | 14.04% | 0.56% | 0.00% | 0.00% | 3.27% |
| Q4 2025 | 14.00% | 0.61% | 0.00% | 0.00% | 3.25% |
| Q3 2025 | 14.80% | 0.52% | 0.01% | 0.11% | 3.13% |
| Q2 2025 | 14.68% | 0.48% | 0.02% | 0.16% | 3.09% |
| Q1 2025 | 14.63% | 0.29% | 0.01% | 0.05% | 2.84% |
| Q4 2024 | 14.80% | 0.43% | 0.01% | 0.07% | 2.95% |
| Q3 2024 | 15.24% | 0.21% | 0.01% | 0.07% | 2.70% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Peshtigo National Bank | Peshtigo , WI | 54157 | $83.1M |
| Coleman Office | Coleman , WI | 54112 | $67.5M |
| Gillett Office | Gillett , WI | 54124 | $41.8M |
| Oconto Falls Office | Oconto Falls , WI | 54154 | $28.5M |
| Marinette Office | Marinette , WI | 54143 | $22.2M |
| Antigo Branch | Antigo , WI | 54409 | $7.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in WI, rank 108 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 80 applications, 65 loans originated, $12.3M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $788K approved, $788K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Peshtigo National Bank
What are Peshtigo National Bank's total assets?
As of the Q2 2026 filing, Peshtigo National Bank reported total assets of $300.0 million in its FFIEC call report.
Where is Peshtigo National Bank headquartered?
It is headquartered in Peshtigo, WI, United States.
When was Peshtigo National Bank founded?
It was established in 1901, per the FDIC institution directory.
Is Peshtigo National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5317). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peshtigo National Bank?
Peshtigo National Bank's primary federal regulator is the OCC.
What is Peshtigo National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.06% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Peshtigo National Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Peshtigo National Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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