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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

$210.1MAssets
$125.4MLoans
$173.5MDeposits
$27.2MEquity
Loan mix
90%RE $101.1M9%C&I $10.5M0%Consumer $0.4MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $122.0M30%Noninterest $51.5MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.41%1.25%1.16%1.03%1.07%-34 bps
Return on Equity12.03%10.69%9.89%8.42%8.56%-346 bps
Net Interest Margin3.83%3.42%3.36%3.34%3.36%-48 bps
Efficiency Ratio55.04%58.30%60.72%64.01%63.51%+847 bps
Non-Interest Burden1.97%1.89%1.96%2.02%2.00%+3 bps
Growth
Asset Growth (YoY)1.10%5.14%1.49%1.17%3.72%+262 bps
Loan Growth (YoY)4.52%8.14%8.40%9.02%6.66%+213 bps
Deposit Growth (YoY)2.20%6.97%0.37%0.22%3.20%+100 bps
Asset Quality
Nonperforming Loans / Loans0.12%0.22%0.10%0.11%0.10%-2 bps
Net Charge-Offs / Loans0.01%0.00%0.00%0.00%0.00%-1 bps
Allowance / Loans1.04%0.99%0.98%1.00%0.98%-6 bps
Allowance Coverage of NPLs8.8x4.5x9.5x9.2x9.9x+1.0x
Capital
Tier 1 Leverage Ratio12.37%11.58%11.63%12.44%12.69%+32 bps
Total Risk-Based Capital12.37%11.58%11.63%12.44%12.69%+32 bps
Equity / Assets12.39%11.59%12.07%12.52%12.96%+57 bps
Liquidity & Funding
Loans / Deposits69.90%66.22%69.02%69.66%72.24%+234 bps
Liquid Assets / Assets36.89%38.74%37.34%36.89%35.16%-172 bps
CRE / Total Capitaln/a210%206%193.04%n/an/a