Paper City Savings Bank, S.A.
Wisconsin Rapids, WI · Cert 29676 · Peer group: banks under $1B in assets in WI (n=110-113)
SL · FDIC · 3 branches
Q2 2026
$208.3MAssets
$181.0MLoans
$170.2MDeposits
$33.6MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 89% of banks under $1B in assets in WI (rank 12 of 113).
- Widest gap: return on equity trails 83% of banks under $1B in assets in WI (rank 94 of 113).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.04%
Rank 74 of 113
Net Interest Margin
3.89%
Rank 28 of 113
Efficiency Ratio
70.89%
Rank 84 of 113
Equity / Assets
16.13%
Rank 12 of 113
Non-interest income vs. expense
Unfavorable gap of $5.5M · efficiency ratio beats 27% 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 | 1.04% | 0.85% | 1.17% | 1.51% | Beats 35% | 74 / 113 | |
| Return on Equity | 6.45% | 7.70% | 10.77% | 13.67% | Beats 17% | 94 / 113 | |
| Net Interest Margin | 3.89% | 3.19% | 3.59% | 3.89% | Beats 75% | 28 / 113 | |
| Efficiency Ratio | 70.89% | 54.61% | 62.43% | 71.88% | Beats 27% | 84 / 113 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.68% | 0.03% | 0.24% | 0.91% | Beats 31% | 77 / 110 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.01% | Beats 33% | 76 / 110 | |
| Capital |
| Tier 1 Capital Ratio | 22.24% | 11.22% | 12.95% | 15.76% | Beats 88% | 13 / 113 | |
| Total Risk-Based Capital Ratio | 23.22% | 11.57% | 13.59% | 16.73% | Beats 88% | 13 / 113 | |
| Equity / Assets | 16.13% | 9.17% | 10.74% | 13.13% | Beats 89% | 12 / 113 | |
| Liquidity & Funding |
| Loans / Deposits | 106.34% | 76.54% | 86.37% | 98.93% | 87th pctl | 15 / 112 | |
| Loans / Assets | 86.86% | 63.07% | 71.33% | 78.84% | 95th pctl | 6 / 113 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |