The Pineries 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.74 percentage points higher than in Q1 2026, at 76.65%. The Pineries Bank ranks 47th of 153 Wisconsin banks on return on assets, in the upper half at 1.54% (Q2 2026). The Pineries Bank reported 1.54% on return on assets for Q2 2026, 0.28 points above the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 21.83% |
| Tier 1 risk-based capital ratio | 21.83% |
| Total risk-based capital ratio | 22.70% |
| Tier 1 leverage ratio | 11.34% |
| Equity capital to assets | 11.53% |
| Tangible equity to tangible assets | 11.31% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.01% |
| Allowance for credit losses to loans | 0.62% |
| Reserve coverage of non-performing loans | 62300.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.54% |
| Return on equity | 13.46% |
| Net interest margin | 3.45% |
| Efficiency ratio | 54.71% |
| Yield on earning assets | 5.07% |
| Cost of funds | 1.73% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.65% |
| Core deposits to total deposits | 90.88% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.50% |
| Securities to assets | 3.77% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 19.75% | 19.75% | 20.68% | 9.95% | 1.07% |
| Q4 2023 | 19.69% | 19.69% | 20.61% | 9.94% | 1.10% |
| Q1 2024 | 20.12% | 20.12% | 21.05% | 10.43% | 1.20% |
| Q2 2024 | 20.69% | 20.69% | 21.62% | 10.43% | 1.36% |
| Q3 2024 | 20.44% | 20.44% | 21.35% | 10.40% | 1.46% |
| Q4 2024 | 20.42% | 20.42% | 21.32% | 10.48% | 1.49% |
| Q1 2025 | 21.31% | 21.31% | 22.23% | 10.80% | 1.44% |
| Q2 2025 | 22.20% | 22.20% | 23.14% | 10.81% | 1.50% |
| Q3 2025 | 22.03% | 22.03% | 22.94% | 10.74% | 1.54% |
| Q4 2025 | 21.50% | 21.50% | 22.39% | 10.86% | 1.51% |
| Q1 2026 | 21.59% | 21.59% | 22.47% | 11.08% | 1.51% |
| Q2 2026 | 21.83% | 21.83% | 22.70% | 11.34% | 1.54% |
The Pineries Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Pineries 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 Pineries Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9526) · FFIEC NIC profile (RSSD 674344)