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
Unfavorable gap of $4.3M · efficiency ratio beats 47% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.09% | 0.85% | 1.17% | 1.51% | Beats 41% | 67 / 113 | |
| Return on Equity | 8.37% | 7.70% | 10.77% | 13.67% | Beats 27% | 82 / 113 | |
| Net Interest Margin | 3.36% | 3.19% | 3.59% | 3.89% | Beats 36% | 72 / 113 | |
| Efficiency Ratio | 63.51% | 54.61% | 62.43% | 71.88% | Beats 47% | 61 / 113 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.10% | 0.03% | 0.24% | 0.91% | Beats 63% | 42 / 110 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 100% | 37 / 110 | |
| Capital |
| Tier 1 Capital Ratio | 12.69% | 11.22% | 12.95% | 15.76% | Beats 44% | 63 / 113 | |
| Total Risk-Based Capital Ratio | 12.69% | 11.57% | 13.59% | 16.73% | Beats 36% | 72 / 113 | |
| Equity / Assets | 12.96% | 9.17% | 10.74% | 13.13% | Beats 72% | 32 / 113 | |
| Liquidity & Funding |
| Loans / Deposits | 72.24% | 76.54% | 86.37% | 98.93% | 20th pctl | 90 / 112 | |
| Loans / Assets | 59.67% | 63.07% | 71.33% | 78.84% | 21st pctl | 89 / 113 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |