Port Washington, WI · Cert 8698 · Port Bancshares Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
20
Asset Quality
81
Profitability
24
Liquidity
26
Efficiency
19
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.
Port Washington, WI · Cert 8698 · Port Bancshares Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · Milwaukee-Waukesha, WI · 2026 SOD (annual) · 1.2% share · #15 of 43 inst. · $0.9B of $79.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 0.30% | 0.38% | 0.46% | 0.53% | 0.61% | 0.55% | 0.72% | +25 bps | |
| Return on Equity | 4.38% | 4.90% | 6.25% | 7.31% | 8.23% | 9.31% | 7.95% | 10.25% | +294 bps | |
| Net Interest Margin | 2.09% | 2.16% | 2.30% | 2.48% | 2.54% | 2.65% | 2.75% | 3.00% | +52 bps | |
| Efficiency Ratio | 86.97% | 85.62% | 80.85% | 78.15% | 75.91% | 73.47% | 75.39% | 70.36% | -780 bps | |
| Non-Interest Burden | 1.76% | 1.79% | 1.79% | 1.85% | 1.83% | 1.83% | 1.99% | 1.99% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.21% | -1.27% | 6.20% | 4.83% | 6.76% | 7.79% | 4.19% | 6.73% | +189 bps | |
| Loan Growth (YoY) | 4.26% | 4.52% | 5.06% | 5.64% | 6.05% | 5.48% | 7.41% | 7.71% | +207 bps | |
| Deposit Growth (YoY) | 2.41% | 1.30% | 5.93% | 4.13% | 6.78% | 9.29% | 5.76% | 8.62% | +448 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.22% | 0.33% | 0.46% | 0.27% | 0.20% | 0.19% | 0.21% | 0.11% | -17 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.05% | 0.07% | 0.03% | 0.09% | 0.07% | -0.04% | -0.01% | -4 bps | |
| Allowance / Loans | 1.01% | 0.98% | 0.99% | 0.99% | 0.94% | 0.94% | 0.97% | 0.96% | -2 bps | |
| Allowance Coverage of NPLs | 4.5x | 3.0x | 2.2x | 3.6x | 4.8x | 4.9x | 4.6x | 9.0x | +5.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.95% | 9.00% | 8.57% | 8.89% | 8.80% | 9.00% | 8.64% | 8.97% | +8 bps | |
| Total Risk-Based Capital | 13.42% | 13.07% | 13.26% | 13.18% | 12.98% | 13.05% | 13.05% | 12.84% | -35 bps | |
| Equity / Assets | 6.80% | 5.99% | 6.32% | 6.66% | 6.86% | 6.77% | 6.99% | 7.18% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.81% | 69.19% | 68.82% | 71.27% | 71.32% | 66.77% | 69.89% | 70.67% | -60 bps | |
| Liquid Assets / Assets | 1.90% | 5.02% | 6.56% | 3.77% | 5.09% | 9.05% | 7.43% | 5.22% | +145 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 392% | 411% | 411% | n/a | n/a | |
Port Washington, WI · Cert 8698 · Peer group: banks $1B-$10B in assets (n=322-328) · Port Bancshares Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Return on Assets
0.72%
Rank 279 of 328
Net Interest Margin
3.00%
Rank 251 of 328
Efficiency Ratio
70.36%
Rank 267 of 328
Equity / Assets
7.18%
Rank 321 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.72% | 0.91% | 1.22% | 1.52% | Beats 15% | 279 / 328 | ||
| Return on Equity | 10.02% | 8.43% | 11.45% | 14.43% | Beats 35% | 213 / 328 | ||
| Net Interest Margin | 3.00% | 3.03% | 3.45% | 3.83% | Beats 23% | 251 / 328 | ||
| Efficiency Ratio | 70.36% | 51.61% | 59.56% | 67.53% | Beats 19% | 267 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.11% | 0.24% | 0.51% | 1.03% | Beats 87% | 42 / 322 | ||
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 75% | 83 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.93% | 11.75% | 13.15% | 15.47% | Beats 29% | 234 / 328 | ||
| Total Risk-Based Capital Ratio | 12.84% | 12.63% | 14.15% | 16.46% | Beats 28% | 235 / 328 | ||
| Equity / Assets | 7.18% | 9.15% | 10.33% | 12.01% | Beats 2% | 321 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.67% | 76.63% | 87.92% | 95.36% | 16th pctl | 270 / 323 | ||
| Loans / Assets | 64.87% | 65.18% | 74.15% | 79.98% | 24th pctl | 248 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||