PARTNERS BANK

SPENCER, WI | Small | Est. June 13, 1908, midnight | FDIC #12513 | RSSD #114149 | FDIC
Latest Report: 2025-12-31

PARTNERS BANK is asn small FDIC-insured commercial bank headquartered in SPENCER, WI, established in June 13, 1908, midnight. As of 2025-12-31, the bank reported total assets of $290M and total deposits of $221M. Profitability stands at 1.23% ROA and 9.44% ROE, with a net interest margin of 3.69%. The bank's CET1 capital ratio is 12.63%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.36% and a Texas Ratio of 1.63%. FDIC Certificate #12513.

Assets

$290M

Deposits

$221M

Loans

$186M

Equity

$39M

Profitability

Return on Assets (ROA) 1.23%
Return on Equity (ROE) 9.44%
Net Interest Margin (NIM) 3.69%
Yield on Assets 5.19%
Cost of Funds 1.63%

Asset Quality

NPL Ratio 0.36%
Net Charge-Off Ratio -0.03%
Texas Ratio 1.63%
NPA Ratio 0.23%
ACL / Loans 1.42%

Capital & Liquidity

CET1 Ratio 12.63%
Tier 1 Capital 12.63%
Total Capital Ratio 13.27%
Leverage Ratio 14.03%
Loan-to-Deposit 83.95%

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