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Portage County Bank, The

Almond, WI · Cert 10012 · Portage County Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in WI3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in WI (n=110 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

51

Q2 2024Q2 2026peer median (50)

Asset Quality

82

Q2 2024Q2 2026peer median (50)

Profitability

35

Q2 2024Q2 2026peer median (50)

Liquidity

44

Q2 2024Q2 2026peer median

Efficiency

47

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Portage County Bank, The

Almond, WI · Cert 10012 · Portage County Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$210.1MAssets
$125.4MLoans
$173.5MDeposits
$27.2MEquity
Loan mix
90%RE $101.1M9%C&I $10.5M0%Consumer $0.4MQ3 2024Q2 2026
Deposit mix
70%Interest-bearing $122.0M30%Noninterest $51.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.07%, down 34 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 0.10% of loans (-2 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.69%, up 32 bps from a year ago.
  • Funding: loans stand at 72.24% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.07%-34 bps YoY

Net Interest Margin (YTD, annualized)

3.36%-48 bps YoY

Efficiency Ratio (YTD, annualized)

63.51%+847 bps YoY

Tier 1 Leverage Ratio

12.69%+32 bps YoY

NIM

4.70%Q2 ’245.25%Q2 ’254.66%Q2 ’26+21%-12%

Non-interest income vs. expense

2.39%Q2 ’242.40%Q2 ’252.36%Q2 ’26-3%+1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%0.90%1.62%1.41%1.25%1.16%1.03%1.07%-34 bps
Return on Equity7.95%8.52%14.22%12.03%10.69%9.89%8.42%8.56%-346 bps
Net Interest Margin3.22%3.17%4.04%3.83%3.42%3.36%3.34%3.36%-48 bps
Efficiency Ratio67.24%65.16%51.83%55.04%58.30%60.72%64.01%63.51%+847 bps
Non-Interest Burden2.10%2.00%1.93%1.97%1.89%1.96%2.02%2.00%+3 bps
Growth
Asset Growth (YoY)-2.03%-4.28%-0.66%1.10%5.14%1.49%1.17%3.72%+262 bps
Loan Growth (YoY)-1.46%2.28%0.99%4.52%8.14%8.40%9.02%6.66%+213 bps
Deposit Growth (YoY)-3.51%-4.34%-0.32%2.20%6.97%0.37%0.22%3.20%+100 bps
Asset Quality
Nonperforming Loans / Loans0.90%0.42%0.04%0.12%0.22%0.10%0.11%0.10%-2 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.01%0.00%0.00%0.00%0.00%-1 bps
Allowance / Loans1.05%1.05%1.09%1.04%0.99%0.98%1.00%0.98%-6 bps
Allowance Coverage of NPLs1.2x2.5x26.6x8.8x4.5x9.5x9.2x9.9x+1.0x
Capital
Tier 1 Leverage Ratio11.17%11.11%11.69%12.37%11.58%11.63%12.44%12.69%+32 bps
Total Risk-Based Capital11.17%11.11%11.69%12.37%11.58%11.63%12.44%12.69%+32 bps
Equity / Assets10.95%11.11%11.67%12.39%11.59%12.07%12.52%12.96%+57 bps
Liquidity & Funding
Loans / Deposits65.50%63.90%64.04%69.90%66.22%69.02%69.66%72.24%+234 bps
Liquid Assets / Assets40.76%40.64%41.09%36.89%38.74%37.34%36.89%35.16%-172 bps
CRE / Total Capitaln/an/an/an/a210%206%193.04%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Portage County Bank, The

Almond, WI · Cert 10012 · Peer group: banks under $1B in assets in WI (n=110-113) · Portage County Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$210.1MAssets
$125.4MLoans
$173.5MDeposits
$27.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in WI (rank 37 of 110).
  • Widest gap: return on equity trails 73% of banks under $1B in assets in WI (rank 82 of 113).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.09%

Rank 67 of 113

Net Interest Margin

3.36%

Rank 72 of 113

Efficiency Ratio

63.51%

Rank 61 of 113

Equity / Assets

12.96%

Rank 32 of 113

Non-interest income vs. expense

$0.8M$5.1MINCOMEEXPENSE
Unfavorable gap of $4.3M · efficiency ratio beats 47% of banks under $1B in assets in WI
Bank 63.51%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.09%0.85%1.17%1.51%Beats 41%67 / 113
Return on Equity8.37%7.70%10.77%13.67%Beats 27%82 / 113
Net Interest Margin3.36%3.19%3.59%3.89%Beats 36%72 / 113
Efficiency Ratio63.51%54.61%62.43%71.88%Beats 47%61 / 113
Asset Quality
Nonperforming Loans / Loans0.10%0.03%0.24%0.91%Beats 63%42 / 110
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 100%37 / 110
Capital
Tier 1 Capital Ratio12.69%11.22%12.95%15.76%Beats 44%63 / 113
Total Risk-Based Capital Ratio12.69%11.57%13.59%16.73%Beats 36%72 / 113
Equity / Assets12.96%9.17%10.74%13.13%Beats 72%32 / 113
Liquidity & Funding
Loans / Deposits72.24%76.54%86.37%98.93%20th pctl90 / 112
Loans / Assets59.67%63.07%71.33%78.84%21st pctl89 / 113
Brokered Deposits / Depositsn/aNot reported for this institution