The Pineries Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Pineries Bank of Stevens Point, WI against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.54% | 1.25% | +0.29% | 64th above |
| ROAE | 13.46% | 12.22% | +1.24% | 56th above |
| Net Interest Margin | 3.45% | 3.95% | -0.50% | 25th below |
| Efficiency Ratio | 54.71% | 63.71% | -9.00% | 70th above |
| PPNR / Avg Assets | 1.55% | — | — | 47th below |
| Yield on Earning Assets | 5.07% | 5.67% | -0.60% | 25th below |
| Cost of Funds | 1.73% | 1.87% | -0.14% | 54th above |
| Net Interest Spread | 2.94% | — | — | 29th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.88% | -0.88% | 88th top |
| NPA / Total Assets | 0.00% | — | — | 89th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 0.62% | — | — | 5th bottom |
| ACL / NPLs (Coverage) | 62300.00% | — | — | — |
| Texas Ratio | 0.01% | 5.96% | -5.95% | 89th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 21.83% | 17.18% | +4.65% | 82nd top |
| Tier 1 Ratio | 21.83% | 17.21% | +4.62% | 82nd top |
| Total Capital Ratio | 22.70% | — | — | 81st top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.34% | 11.75% | -0.41% | 55th above |
| Equity / Assets | 11.53% | 10.98% | +0.55% | 66th above |
| TCE / Tangible Assets | 11.31% | — | — | 67th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.65% | 80.44% | -3.79% | 58th above |
| Core Deposit Ratio | 90.88% | 86.95% | +3.93% | 60th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.99% | — | — | 39th below |
| Loan Growth (Y/Y) | 12.42% | — | — | 80th top |
| Deposit Growth (Y/Y) | 2.22% | — | — | 36th below |
See The Pineries Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Pineries Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Pineries Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the The Pineries Bank peer analysis.