The Port Washington State Bank
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Data as of · sourced from FFIEC call reports. How we update
The Port Washington State Bank is an FDIC-insured commercial bank headquartered in Port Washington, WI, established in 1899 (FDIC certificate 8698), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.01B, up 6.7% from Q2 2025, the 32nd largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 11.93% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8698
- Headquarters
- Port Washington, WI
- Established
- 1899
- Total assets, Q2 2026
- $1.01B
- Assets vs Q2 2025
- +6.7%
- CET1 ratio, Q2 2026
- 11.93%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 075902227
- Latest call report
- Q2 2026, FFIEC 051 · The Port Washington State Bank call report
- Holding company
- PORT BANCSHARES, INC.
- Asset rank in state
- 32nd of 153 in Wisconsin
The Port Washington State Bank operates with a thinner capital cushion than most banks of its size. It reported $1.0 billion in assets at June 30, 2026, up 6.7% from a year earlier. It funds 8.97% of its assets with Tier 1 capital, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 10.52%). On the other hand, it carries problem assets equal to 0.9% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for banks its size.
Earnings jumped: net income for the quarter was $2.2 million, 74% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $26 million equal 29% of Tier 1 capital, down from 38% a year earlier. Profitability lags: it earns about $0.89 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.29).
As of June 30, 2026, The Port Washington State Bank reported a CET1 capital ratio of 11.93%, a return on assets of 0.89%, a nonperforming-loan ratio of 0.11% and a Texas ratio of 0.89%. The figures come from its call report filed with the FFIEC.
Of the 153 banks headquartered in Wisconsin, The Port Washington State Bank is the 32nd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.7% to $1.01B, loans rose 1.6% and deposits rose 0.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 27.9% of total loans, followed by owner-occupied commercial real estate loans at 17.3%. Its 8 offices in the FDIC Summary of Deposits are in 8 cities in WI; its Port Washington office books 28% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Port Washington State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 206 N Franklin St, Port Washington, WI 53074
- County
- Ozaukee
- Metro Area
- Milwaukee-Waukesha, WI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- September 11, 1899
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 132
- Domestic deposits
- $926.9M
- Allowance for credit losses
- $6.3M
- Net charge-offs (YTD)
- -$37K
- Average total assets
- $1.01B
- Average total loans
- $646.5M
- Average interest-bearing deposits
- $715.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8698
- Fed RSSD
- 937740
- Website
- https://www.pwsb.bank →
- Parent Holding Company
- PORT BANCSHARES, INC. (RSSD 1208577)
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
From Q3 2023 to Q2 2026, The Port Washington State Bank's total assets ranged from $899.0M (Q3 2023) to $1.03B (Q4 2025), 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
$1.01B total assets against $946.2M; $937.3M total liabilities against $883.1M.
$648.7M net loans and leases against $602.1M; $926.9M total deposits against $853.3M.
$223.3M securities against $239.1M; $81.2M cash and balances due against $47.3M.
$12.0M total interest income against $10.6M; $3.9M total interest expense against $4.3M.
$8.1M net interest income against $6.2M.
$1.1M total noninterest income against $991K; $6.0M total noninterest expense against $5.5M.
$225K provision for credit losses against $152K.
$2.2M net income against $1.3M.
0.89% return on assets against 0.53%; 3.37% net interest margin against 2.75%.
11.93% CET1 capital ratio against 12.26%; 8.97% tier 1 leverage ratio against 8.89%.
Inside the full The Port Washington State Bank 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The Port Washington State Bank rankings
Its closest position to the top of a national ranking is 1,027 of 4,196, for total assets; its furthest is 1,731 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.35% (Q3 2024) to 0.89% (Q2 2026) and its net interest margin ran from 2.30% (Q3 2024) to 3.37% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.93% | 0.89% | 0.11% | 0.89% | 3.37% |
| Q1 2026 | 12.14% | 0.54% | 0.21% | 1.77% | 2.91% |
| Q4 2025 | 12.17% | 0.85% | 0.19% | 1.60% | 3.15% |
| Q3 2025 | 12.11% | 0.66% | 0.20% | 1.69% | 2.93% |
| Q2 2025 | 12.26% | 0.53% | 0.27% | 2.41% | 2.75% |
| Q1 2025 | 12.35% | 0.37% | 0.46% | 4.10% | 2.44% |
| Q4 2024 | 12.18% | 0.39% | 0.33% | 3.11% | 2.51% |
| Q3 2024 | 12.49% | 0.35% | 0.22% | 1.93% | 2.30% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| The Port Washington State Bank | Port Washington , WI | 53074 | $262.2M |
| Mequon | Mequon , WI | 53092 | $175.0M |
| Grafton Branch | Grafton , WI | 53024 | $120.5M |
| Fredonia Branch | Fredonia , WI | 53021 | $99.6M |
| Saukville Branch | Saukville , WI | 53080 | $91.3M |
| Cedarburg Branch | Cedarburg , WI | 53012 | $66.3M |
| Belgium Branch | Belgium , WI | 53004 | $56.6M |
| Thiensville Branch | Thiensville , WI | 53092 | $55.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in WI, rank 34 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 328 applications, 260 loans originated, $84.9M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $12K approved, $12K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 The Port Washington State Bank
What are The Port Washington State Bank's total assets?
As of the Q2 2026 filing, The Port Washington State Bank reported total assets of $1.01 billion in its FFIEC call report.
Where is The Port Washington State Bank headquartered?
It is headquartered in Port Washington, WI, United States.
When was The Port Washington State Bank founded?
It was established in 1899, per the FDIC institution directory.
Is The Port Washington State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8698). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Port Washington State Bank?
The Port Washington State Bank's primary federal regulator is the FDIC.
What is The Port Washington State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.93% in its Q2 2026 call report, above regulatory requirements.
How many branches does The Port Washington State Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Port Washington State Bank's Texas Ratio?
Its Texas Ratio is 0.89% 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.
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