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Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Wisconsin, the state note

Peoples State Bank

Prairie Du Chien, Wisconsin · $993M in assets · beside the 11 other Wisconsin banks between $300M and $1B

The filing

+13.1%
Loans, year over year
2nd of 12, largest first
23.2%
CRE / loans
3rd of 12
120.5%
CRE / capital
3rd of 12

Peoples State Bank is the largest of the 12 Wisconsin banks nearest its size between $300M and $1B, with $993M in assets at 30 June 2026. Loans are 79.7% of deposits, 4th of 12 against a median of 89.0%, and equity is 10.2% of assets, 7th of 12. Loans grew +13.1% in the year, 2nd of 12, and deposits grew 1.8%; the cohort's median loan growth is +5.6%.

Noncurrent loans are 0.21% of the book, 7th of 12 against a median of 0.18%; 0.13% is 30 to 89 days past due, and the allowance covers them 7.0 times. Commercial real estate is 23.2% of loans, 3rd of 12 against a median of 37.8%, and 121% of capital, below the 300% screen, with construction at 24% against the 100% screen. CRE has grown +65.8% over 36 months, past the guidance's 50% prong.

Return on assets is 1.43%, 6th of 12 against a median of 1.41%, on an efficiency ratio of 59.2%, 8th of 12. Five years ago it was 1.17%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansWI banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 37.8% CV Chippewa Valley Bank 9.2% RB Royal Bank 17.7% PS Peoples State Bank 23.2% Bo Bank of New Glarus 24.6% HN Hiawatha National Bank 27.6% Bo Bank of Prairie Du Sac 35.4% FB Fortifi Bank 40.1% FM Farmers & Merchants Bank 45.0% WB Westbury Bank 48.3% FM Farmers & Merchants Union Bank 49.0% Bo Bank of Sun Prairie 52.0% DC DMB Community Bank 80.5%
Loans, year over yearWI banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.6% FM Farmers & Merchants Union Bank +23.8% PS Peoples State Bank +13.1% RB Royal Bank +7.5% Bo Bank of New Glarus +6.3% CV Chippewa Valley Bank +6.2% Bo Bank of Prairie Du Sac +6.0% DC DMB Community Bank +5.1% FB Fortifi Bank +5.0% HN Hiawatha National Bank +2.5% FM Farmers & Merchants Bank +0.1% Bo Bank of Sun Prairie -1.2% WB Westbury Bank -5.5%

SBA 7(a), FY2008 to FY2026

Peoples State Bank is the 131st largest 7(a) lender into Wisconsin of 426, with $8M across 15 loans, 0.1% of everything approved in the state (Byline Bank leads with $864M). 4 of its 4 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Wisconsin, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Racine, WI$4M15th of 891.7%quiet FY2011
Vernon, WI$2M4th of 226.3%quiet FY2017
Crawford, WI$2M2nd of 1714.8%quiet FY2020
Grant, WI$105K22nd of 250.3%quiet FY2017
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services7$6M73.4%0.01%744th of 2,596
Retail trade1$1M17.1%0.00%1384th of 2,589
Transportation & warehousing2$290K3.6%0.00%1149th of 1,563
Professional & technical services1$150K1.9%0.00%1652nd of 1,955
Construction2$120K1.5%0.00%1902nd of 2,063
7(a) lenders into Wisconsin, share of approvals since FY2008426 lenders on record; the ten largest and Peoples State Bank
BB Byline Bank 9.3% $864M · 860 loans BF Bank Five Nine 7.9% $733M · 1,782 loans BF Bank First, N.A. 4.7% $437M · 963 loans UB UMB Bank, National Association 3.8% $355M · 672 loans UB U.S. Bank, National Association 3.5% $324M · 1,831 loans NN Nicolet National Bank 3.2% $296M · 741 loans ON Old National Bank 3.0% $279M · 390 loans AB Associated Bank National Associat… 3.0% $278M · 2,089 loans LO Live Oak Banking Company 2.6% $246M · 206 loans SC Summit CU 2.6% $244M · 1,034 loans PS Peoples State Bank 0.1% $8M · 15 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
Peoples State BankRankCohort median
Total CRE against capital, the 300% screen121%3rd of 12199%
Construction against capital, the 100% screen24%5th of 1236%
Construction and land development, share of loans4.7%6th of 126.9%
Non-owner-occupied nonfarm nonresidential, share of loans14.9%5th of 1215.5%
Total CRE, the guidance definition, share of loans23.2%3rd of 1237.8%
CRE growth over 36 months, the third prong+65.8%10th of 12+16.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Peoples State Bank$993M1.4%59.2%0.21%-0.04%1.5%79.7%10.2%
Farmers & Merchants Bank$949M1.2%50.7%1.96%0.29%1.4%94.4%9.2%
Farmers & Merchants Union Bank$872M1.6%46.5%0.15%-0.05%2.0%86.2%11.7%
Bank of Sun Prairie$841M0.6%78.9%0.07%0.00%1.3%83.6%10.0%
DMB Community Bank$835M0.6%67.7%0.00%0.00%1.2%113.8%10.6%
Bank of New Glarus$823M1.6%58.2%1.99%0.01%1.3%96.7%10.1%
Royal Bank$816M1.5%59.1%0.06%0.01%1.5%78.0%10.6%
Hiawatha National Bank$781M0.9%60.8%5.32%0.02%1.1%95.2%11.1%
Westbury Bank$772M0.8%78.6%0.00%0.03%1.1%78.7%8.4%
Fortifi Bank$750M1.4%55.4%2.40%0.04%1.5%91.8%12.0%
Bank of Prairie Du Sac$745M1.5%40.6%0.00%0.00%1.4%61.1%13.0%
Chippewa Valley Bank$736M2.0%48.6%0.22%0.00%0.8%95.5%8.8%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Peoples State BankCohort median
20212026Change20212026Change
Loans$490M$646M+32%$398M$588M+47%
Deposits$752M$811M+8%$496M$673M+36%
NPA / loans3.27%0.21%-3.06 pts0.87%0.18%-0.69 pts
Efficiency66.7%59.2%-7.4 pts55.9%58.7%+2.7 pts
ROA1.17%1.43%+0.26 pts1.32%1.41%+0.09 pts

This read was prepared for Peoples State Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Peoples State Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort WI banks $300M to $1B
Institution www.peoplesfinancial.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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