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 | |