Partners Bank
Spencer, WI · Cert 12513 · Peer group: banks under $1B in assets in WI (n=110-113) · Stratford Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$294.2MAssets
$178.3MLoans
$224.2MDeposits
$40.3MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 80% of banks under $1B in assets in WI (rank 23 of 113).
- Widest gap: return on equity trails 68% of banks under $1B in assets in WI (rank 77 of 113).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.26%
Rank 46 of 113
Net Interest Margin
3.41%
Rank 70 of 113
Efficiency Ratio
57.60%
Rank 39 of 113
Equity / Assets
13.70%
Rank 23 of 113
Non-interest income vs. expense
Unfavorable gap of $5.5M · efficiency ratio beats 66% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.26% | 0.85% | 1.17% | 1.51% | Beats 59% | 46 / 113 | | |
| Return on Equity | 9.21% | 7.70% | 10.77% | 13.67% | Beats 32% | 77 / 113 | | |
| Net Interest Margin | 3.41% | 3.19% | 3.59% | 3.89% | Beats 38% | 70 / 113 | | |
| Efficiency Ratio | 57.60% | 54.61% | 62.43% | 71.88% | Beats 66% | 39 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.36% | 0.03% | 0.24% | 0.91% | Beats 40% | 67 / 110 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 49% | 58 / 110 | | |
| Capital |
| Tier 1 Capital Ratio | 14.70% | 11.22% | 12.95% | 15.76% | Beats 66% | 38 / 113 | | |
| Total Risk-Based Capital Ratio | 14.70% | 11.57% | 13.59% | 16.73% | Beats 63% | 42 / 113 | | |
| Equity / Assets | 13.70% | 9.17% | 10.74% | 13.13% | Beats 80% | 23 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 79.52% | 76.54% | 86.37% | 98.93% | 36th pctl | 72 / 112 | | |
| Loans / Assets | 60.61% | 63.07% | 71.33% | 78.84% | 22nd pctl | 88 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |