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Peoples State Bank

Peer Analysis

Performance Ratios (%) PSBQ Peer Median Peer Average
ROAA 1.19 0.98 0.99
ROAE 13.41 9.80 9.45
Net Interest Margin 3.56 3.74 3.63
Efficiency Ratio 60.82 67.52 66.96
Loans / Deposits 91.58 91.00 93.06
Asset Quality Ratios (%)
NPAs / Assets 0.67 1.16 1.00
NCOs / Avg Loans 0.05 (0.03) (0.02)
Reserves / Loans 0.94 1.27 1.31
Reserves / NPAs 101.63 93.56 168.15
Capital Ratios (%)
Tier 1 Capital NA 14.25 13.65
Tangible Equity / Tangible Assets 8.81 9.92 10.31
Total Equity / Total Assets 8.83 10.40 10.66
Market Ratios
Price / Earnings (x) 10.59 11.44 13.14
Price / Book (%) 134.63 125.26 126.88
Dividend Yield (%) 1.48 1.35 1.23
Data for trailing four quarters

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

PSB Holdings, Inc.'s financial data is as of 12/31/2018.

Peer financial data is as of 12/31/2018 except for these companies:

Baylake Corp.'s financial data is as of 12/31/2015.
CIB Marine Bancshares, Inc.'s financial data is as of 3/31/2019.
Bank First National Corporation's financial data is as of 3/31/2019.
First Menasha Bancshares, Inc.'s financial data is as of 12/31/2016.
Nicolet Bankshares, Inc.'s financial data is as of 3/31/2019.
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