Paper City Savings Bank, S.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Paper City Savings Bank, S.A. of Wisconsin Rapids, WI against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.13% | 1.34% | -0.21% | 41st below |
| ROAE | 7.16% | 13.32% | -6.16% | 22nd bottom |
| Net Interest Margin | 4.15% | 3.93% | +0.22% | 62nd above |
| Efficiency Ratio | 68.77% | 61.13% | +7.64% | 31st below |
| PPNR / Avg Assets | 1.43% | 1.68% | -0.25% | 40th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.63% | 5.67% | -0.04% | 51st above |
| Cost of Funds | 1.70% | 1.88% | -0.18% | 57th above |
| Net Interest Spread | 3.66% | 3.32% | +0.34% | 68th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.82% | 0.94% | -0.12% | 32nd below |
| NPA / Total Assets | 0.71% | 0.70% | +0.01% | 29th below |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 81st top |
| ACL / Total Loans | 0.82% | 1.28% | -0.46% | 12th bottom |
| ACL / NPLs (Coverage) | 100.40% | 1546.44% | -1446.04% | 27th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.23% | 7.34% | -3.11% | 45th below |
| Provision / NCO | 0.00% | 1395.29% | -1395.29% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 22.24% | 19.48% | +2.76% | 83rd top |
| Tier 1 Ratio | 22.24% | 19.52% | +2.72% | 83rd top |
| Total Capital Ratio | 23.22% | 20.60% | +2.62% | 83rd top |
| Leverage Ratio | 16.11% | 12.14% | +3.97% | 90th top |
| Equity / Assets | 16.13% | 11.36% | +4.77% | 91st top |
| TCE / Tangible Assets | 16.13% | 11.08% | +5.05% | 92nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 106.34% | 80.66% | +25.68% | 6th bottom |
| Core Deposit Ratio | 93.37% | 86.85% | +6.52% | 76th top |
| Wholesale Funding Ratio | 1.68% | 5.04% | -3.36% | 73rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.82% | 6.84% | -10.66% | 7th bottom |
| Loan Growth (Y/Y) | -2.94% | 7.92% | -10.86% | 12th bottom |
| Deposit Growth (Y/Y) | -0.50% | 6.29% | -6.79% | 21st bottom |
See Paper City Savings Bank, S.A.'s peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Paper City Savings Bank, S.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Paper City Savings Bank, S.A. profile, how to read a UBPR, or how this data updates.