Paper City Savings Bank, S.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 4.97 percentage points lower than in Q1 2026, at 100.40%. Within Wisconsin, Paper City Savings Bank, S.A. is 104th of 153 on return on assets, 1.13% as of Q2 2026, below the middle of the field. Paper City Savings Bank, S.A. reported 1.13% on return on assets for Q2 2026, 0.12 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 22.24% |
| Tier 1 risk-based capital ratio | 22.24% |
| Total risk-based capital ratio | 23.22% |
| Tier 1 leverage ratio | 16.11% |
| Equity capital to assets | 16.13% |
| Tangible equity to tangible assets | 16.13% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.82% |
| Non-performing assets ratio | 0.71% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 4.23% |
| Allowance for credit losses to loans | 0.82% |
| Reserve coverage of non-performing loans | 100.40% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.13% |
| Return on equity | 7.16% |
| Net interest margin | 4.15% |
| Efficiency ratio | 68.77% |
| Yield on earning assets | 5.63% |
| Cost of funds | 1.70% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 106.34% |
| Core deposits to total deposits | 93.37% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.68% |
| Securities to assets | 3.45% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 20.37% | 20.37% | 21.41% | 14.45% | 0.50% |
| Q4 2023 | 20.04% | 20.04% | 21.07% | 14.41% | 0.63% |
| Q1 2024 | 19.87% | 19.87% | 20.89% | 14.37% | 0.34% |
| Q2 2024 | 19.63% | 19.63% | 20.62% | 14.27% | 0.49% |
| Q3 2024 | 19.82% | 19.82% | 20.80% | 14.24% | 0.79% |
| Q4 2024 | 19.68% | 19.68% | 20.64% | 14.49% | 0.69% |
| Q1 2025 | 20.17% | 20.17% | 21.15% | 14.62% | 0.55% |
| Q2 2025 | 20.41% | 20.41% | 21.39% | 14.59% | 0.81% |
| Q3 2025 | 20.83% | 20.83% | 21.81% | 14.93% | 1.17% |
| Q4 2025 | 20.77% | 20.77% | 21.72% | 15.21% | 1.01% |
| Q1 2026 | 21.33% | 21.33% | 22.29% | 15.62% | 0.91% |
| Q2 2026 | 22.24% | 22.24% | 23.22% | 16.11% | 1.13% |
Paper City Savings Bank, S.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Paper City Savings Bank, S.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Paper City Savings Bank, S.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29676) · FFIEC NIC profile (RSSD 102874)