Bank Comparison
Portage County Bank, the vs Paper City Savings Bank, S.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Portage County Bank, the | Paper City Savings Bank, S.A. |
|---|---|---|
| CET1 Ratio | — | 21.33% |
| Tier 1 Capital Ratio | — | 21.33% |
| Total Capital Ratio | — | 22.29% |
| Tier 1 Leverage Ratio | 12.44% | 15.62% |
| Equity / Assets | 12.52% | 15.50% |
Profitability
| Metric | Portage County Bank, the | Paper City Savings Bank, S.A. |
|---|---|---|
| Return on Assets (ROA) | 1.32% | 0.91% |
| Return on Equity (ROE) | 10.71% | 5.96% |
| Net Interest Margin (NIM) | 3.64% | 3.90% |
| Yield on Earning Assets | 5.00% | 5.54% |
| Cost of Funds | 1.48% | 1.87% |
Asset quality
| Metric | Portage County Bank, the | Paper City Savings Bank, S.A. |
|---|---|---|
| Texas Ratio | 0.48% | 4.10% |
| Non-Performing Loan Ratio | 0.11% | 0.76% |
| Non-Performing Asset Ratio | 0.06% | 0.66% |
| Net Charge-Off Ratio | 0.00% | 0.02% |
| ACL / Loans | 1.00% | 0.80% |
Balance sheet
| Metric | Portage County Bank, the | Paper City Savings Bank, S.A. |
|---|---|---|
| Total Assets | $212,581K | $212,977K |
| Total Deposits | $176,573K | $174,001K |
| Total Loans | $123,007K | $185,981K |
| Total Equity | $26,606K | $33,014K |
| Net Income (quarter) | $705 | $488 |
Liquidity & funding
| Metric | Portage County Bank, the | Paper City Savings Bank, S.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 69.66% | 106.89% |
| Core Deposit Ratio | 93.53% | 93.67% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Portage County Bank, the | Paper City Savings Bank, S.A. |
|---|---|---|
| Headquarters City | ALMOND | WISCONSIN RAPIDS |
| Headquarters State | WI | WI |
| Asset Tier | 5: $100M-1B | 5: $100M-1B |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 3 |
| Employees (FTE) | 38 | 40 |
| Established | Jan. 1, 1901, midnight | Jan. 1, 1933, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of March 31, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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