Peoples Community Bank SB of Monticello, Indiana

Monticello, IndianaFDIC Cert #30065

STATEEstablished 18991 branch

Holding company: Not reportedRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$3.06M
Investor CRE	$264K
Multifamily	$584K
Construction	$1.09M
1–4 family	$32M
C&I	$1.66M
Agriculture	$0
Other	$1.12M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$39.8M

+7.6%y/y

Percentile by value64th percentileby value

FDICLNLSGR

Net loans

$39.4M

+7.7%y/y

Percentile by value65th percentileby value

FDICLNLSNET

Loans YoY

+7.66%

+430.3%y/y

Percentile by value70th percentileby value

FDICLNLSNET

L/D

198.6%

+3.4%y/y

Percentile by value100th percentileby value

FDICLNLSNET + DEP

Loans/assets

92.0%

+3.2%y/y

Percentile by value100th percentileby value

FDICLNLSNET + ASSET

RE loans %

93.97%

+1.2%y/y

Percentile by value85th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

6,556points

+5.6%y/y

Peer standing9th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

7.70%

−11.4%y/y

Percentile by value67th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

0.66%

+15.2%y/y

Percentile by value27th percentileby value

FDICLNRENROT + LNLSGR

C&I %

4.18%

−7.2%y/y

Percentile by value22nd percentileby value

FDICLNCI + LNLSGR