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Peoples State Bank

Peer Analysis

Performance Ratios (%) PSBQ Peer Median Peer Average
ROAA 1.22 1.04 1.04
ROAE 12.98 10.66 9.70
Net Interest Margin 3.63 3.66 3.66
Efficiency Ratio 59.07 68.05 67.84
Loans / Deposits 94.83 93.26 92.92
Asset Quality Ratios (%)
NPAs / Assets 0.57 1.27 1.13
NCOs / Avg Loans 0.04 0.02 0.04
Reserves / Loans 0.97 1.23 1.14
Reserves / NPAs 125.06 78.07 79.06
Capital Ratios (%)
Tier 1 Capital NA 13.93 13.52
Tangible Equity / Tangible Assets 9.53 10.09 10.18
Total Equity / Total Assets 9.54 10.45 11.05
Market Ratios
Price / Earnings (x) 11.11 12.41 13.11
Price / Book (%) 133.71 110.72 122.47
Dividend Yield (%) 1.48 1.32 1.24
Data for trailing four quarters

PSB Holdings, Inc.'s peer group consists of the following: Bank First Corporation (BFC), Baylake Corp. (BYLK), Blackhawk Bancorp, Inc. (BHWB), BOSP Bancshares, Inc., Choice Bancorp, Inc., CIB Marine Bancshares, Inc. (CIBH), Denmark Bancshares, Inc. (DMKB.A), First Business Financial Services, Inc. (FBIZ), First Menasha Bancshares, Inc., Nicolet Bankshares, Inc. (NCBS), Tri City Bankshares Corporation (TRCY)

PSB Holdings, Inc.'s financial data is as of 9/30/2019.

Peer financial data is as of 9/30/2019 except for these companies:

Baylake Corp.'s financial data is as of 12/31/2015.
First Menasha Bancshares, Inc.'s financial data is as of 12/31/2016.
BOSP Bancshares, Inc.'s financial data is as of 6/30/2019.
Choice Bancorp, Inc.'s financial data is as of 6/30/2019.
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