Paper City Savings Bank, S.A.
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Data as of · sourced from FFIEC call reports. How we update
Paper City Savings Bank, S.A. is an FDIC-insured savings and loan association headquartered in Wisconsin Rapids, WI, established in 1933 (FDIC certificate 29676), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $208.3M, down 3.8% from Q2 2025, the 119th largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 22.24% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings and loan association
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 29676
- Headquarters
- Wisconsin Rapids, WI
- Established
- 1933
- Total assets, Q2 2026
- $208.3M
- Assets vs Q2 2025
- -3.8%
- CET1 ratio, Q2 2026
- 22.24%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 275971498
- Latest call report
- Q2 2026, FFIEC 041 · Paper City Savings Bank, S.A. call report
- Asset rank in state
- 119th of 153 in Wisconsin
Paper City Savings Bank, S.A. carries far more capital than most banks of its size. It reported $208 million in assets at June 30, 2026, down 3.8% from a year earlier. It funds 16.11% of its assets with Tier 1 capital, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 10.99%). It also shrank its loan book 2.9% over the year, lower than about three-quarters of banks its size (median 5.5%).
Earnings jumped: net income for the quarter was $596,000, 35% above the same quarter a year earlier. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.68% of loans from 0.52% a year earlier. Profitability lags: it returns 7.2% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.6%).
As of June 30, 2026, Paper City Savings Bank, S.A. reported a CET1 capital ratio of 22.24%, a return on assets of 1.13%, a nonperforming-loan ratio of 0.68% and a Texas ratio of 3.50%. The figures come from its call report filed with the FFIEC.
Of the 153 banks headquartered in Wisconsin, Paper City Savings Bank, S.A. is the 119th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.2% to $208.3M, loans fell 2.7% and deposits fell 2.2%. 1-4 family residential loans made up 62.3% of its total loans on June 30, 2026, its largest category; next came multifamily loans at 14.3%. Its 3 offices in the FDIC Summary of Deposits are in Wisconsin Rapids, WI, Nekoosa, WI and Plover, WI; its Wisconsin Rapids office books 81% of its branch deposits. Judged on its Q2 2026 call report, Paper City Savings Bank, S.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 4200 8th St S, Wisconsin Rapids, WI 54494
- County
- Wood
- Metro Area
- Wisconsin Rapids-Marshfield, WI
- Charter
- State-chartered stock savings and loan association, FDIC-supervised (pre-2011 OTS)
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1933
- Former names
- Paper City Savings Association (1988-2024)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 42
- Domestic deposits
- $170.2M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- $8K
- Average total assets
- $210.9M
- Average total loans
- $183.0M
- Average interest-bearing deposits
- $148.5M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29676
- Fed RSSD
- 102874
- Website
- www.pcs.bank →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Paper City Savings Bank, S.A.'s total assets moved between a low of $204.1M (Q3 2023) and a high of $216.6M (Q2 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$208.3M total assets against $216.6M; $174.7M total liabilities against $185.4M.
$179.5M net loans and leases against $185.0M; $170.2M total deposits against $171.0M.
$7.2M securities against $9.1M; $12.9M cash and balances due against $13.7M.
$2.9M total interest income against $2.8M; $749K total interest expense against $979K.
$2.1M net interest income against $1.8M.
$313K total noninterest income against $325K; $1.7M total noninterest expense against $1.6M.
$0 provision for credit losses against $0.
$596K net income against $440K.
1.13% return on assets against 0.81%; 4.15% net interest margin against 3.50%.
22.24% CET1 capital ratio against 20.41%; 16.11% tier 1 leverage ratio against 14.59%.
Inside the full Paper City Savings Bank, S.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Paper City Savings Bank, S.A. rankings
Its closest position to the top of a national ranking is 240 of 2,134, for CET1 ratio; its furthest is 2,645 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.55% (Q1 2025) to 1.17% (Q3 2025) and its net interest margin ran from 3.11% (Q3 2024) to 4.15% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 22.24% | 1.13% | 0.68% | 3.50% | 4.15% |
| Q1 2026 | 21.33% | 0.91% | 0.62% | 3.25% | 3.90% |
| Q4 2025 | 20.77% | 1.01% | 0.64% | 3.54% | 3.91% |
| Q3 2025 | 20.83% | 1.17% | 0.65% | 3.61% | 3.77% |
| Q2 2025 | 20.41% | 0.81% | 0.52% | 2.93% | 3.50% |
| Q1 2025 | 20.17% | 0.55% | 0.65% | 3.75% | 3.23% |
| Q4 2024 | 19.68% | 0.69% | 0.65% | 3.91% | 3.28% |
| Q3 2024 | 19.82% | 0.79% | 0.58% | 3.29% | 3.11% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Paper City Savings Bank, S.A. (main office) | Wisconsin Rapids , WI | 54494 | $137.5M |
| 226 Market St Branch | Nekoosa , WI | 54457 | $24.9M |
| Post Rd Plover Branch | Plover , WI | 54467 | $7.7M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC (former OTS))
- January 29, 2010, OCC (former OTS): Civil Money Penalty: Paper City Savings Association
- Period: Most recent institution action January 29, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in WI, rank 132 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $474K approved, $474K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Paper City Savings Bank, S.A.
What are Paper City Savings Bank, S.A.'s total assets?
As of the Q2 2026 filing, Paper City Savings Bank, S.A. reported total assets of $208.3 million in its FFIEC call report.
Where is Paper City Savings Bank, S.A. headquartered?
It is headquartered in Wisconsin Rapids, WI, United States.
When was Paper City Savings Bank, S.A. founded?
It was established in 1933, per the FDIC institution directory.
Is Paper City Savings Bank, S.A. FDIC-insured?
Yes. It is an FDIC-insured savings and loan association (FDIC Certificate #29676). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Paper City Savings Bank, S.A.?
Paper City Savings Bank, S.A.'s primary federal regulator is the FDIC.
What is Paper City Savings Bank, S.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 22.24% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Paper City Savings Bank, S.A. operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Paper City Savings Bank, S.A.'s Texas Ratio?
Its Texas Ratio is 3.50% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Paper City Savings Bank, S.A. previously called?
The charter now named Paper City Savings Bank, S.A. has also operated as Paper City Savings Association (1988-2024), per FDIC structure-change records.
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