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The Portage County Bank

$100M-$1B Specialty: Commercial WI FDIC cert 10012

Almond, WI

4 branches across WI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 110 in WI.
  • Deposits +3.2% year over year ($173.5M on the books).
  • Delinquency rate 0.10%.
  • Return on assets 1.36%.
  • Efficiency ratio 63.51% vs a 64.48% peer average.
  • Loan-to-deposit ratio 71.53% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 110 in WI
View $100M-$1B leaderboard (WI) →

The Portage County Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 0.97% below tier average
  • + Delinquency Rate 0.82% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 22.2% in tier
  • - Cost Spiral: Bottom 69.6% in tier
  • - Net Interest Margin 0.40% below tier average
Get updates when The Portage County Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $210.1M
+3.7% YoY -1.2% QoQ
-$176.5M $386.6M
+1.2% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
29%
Total Loans ? $124.1M
+6.7% YoY +1.9% QoQ
-$134.2M $258.3M
+1.7% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
27%
Total Deposits ? $173.5M
+3.2% YoY -1.7% QoQ
-$153.2M $326.7M
+0.7% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
28%
Return on Assets ? 1.36%
-23.8% YoY +3.6% QoQ
+0.04% 1.32%
+10.8% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
57%
Net Interest Margin ? 3.59%
-9.3% YoY +1.5% QoQ
-0.40% 3.99%
+5.0% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
32%
Efficiency Ratio ? 63.51%
+15.4% YoY -0.8% QoQ
-0.97% 64.48%
-3.2% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
47%
Delinquency Rate ? 0.10%
-15.8% YoY -8.5% QoQ
-0.82% 0.92%
+15.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
74%
Loan-to-Deposit Ratio ? 71.53%
+3.4% YoY +3.7% QoQ
-6.42% 77.95%
+1.0% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
67%
Non-Interest-Bearing Deposit Share ? 29.69%
-55.1% YoY -10.9% QoQ
+7.66% 22.03%
-0.6% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
81%
Nonperforming Asset Ratio ? 0.06%
-13.4% YoY -5.7% QoQ
-0.61% 0.67%
+16.4% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
77%
Tier 1 Capital Ratio ? 12.69%
+2.6% YoY +2.0% QoQ
-3.22% 15.91%
+1.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
44%
Non-Interest Income / Assets ? 0.18%
-15.6% YoY +120.4% QoQ
-0.39% 0.57%
+7.6% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
44%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Noninterest-Bearing 29.7%
-36.5pp YoY
-3.6pp QoQ
 +7.5pp 22.1% 18.9% 22.2% 81%
Brokered Deposits n/a n/a 7.9% 9.2% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
C&I 10.4%
-0.5pp YoY
+1.7pp QoQ
 -1.2pp 11.6% 10.5% 12.5% 55%
CRE 40.1%
-2.2pp YoY
-2.0pp QoQ
 +0.6pp 39.5% 46.4% 41.4% 53%
1-4 Family 26.5%
+5.0pp YoY
+0.4pp QoQ
 -6.1pp 32.6% 32.3% 31.3% 43%
Consumer 0.1%
-0.3pp YoY
-0.2pp QoQ
 -4.0pp 4.1% 2.6% 5.0% 6%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.5% 19.7% n/a
Leverage Ratio 12.7%
+0.3pp YoY
+0.3pp QoQ
 +0.5pp 12.2% 12.6% 12.6% 72%
Total Capital Ratio n/a n/a 19.9% 16.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 37
0 YoY
-1 (-2.6%) QoQ
 -22 58 134 482 37%
Assets per Employee ($) $5.7M
+3.7% YoY
+1.5% QoQ
 -$1.8M $7.5M $8.2M $8.8M 26%
Branch Count 4
0 YoY
0 QoQ
 -1 4 9 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.1%
0.0pp YoY
0.0pp QoQ
 -0.8pp 0.9% 0.9% 1.0% 18%
Allowance Coverage 9.89x
+11.7% YoY
+7.3% QoQ
 -14.27x 24.15x 56.89x 20.23x 82%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.0% 0.2% 21%

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 10.9%
-4.4pp YoY
+0.2pp QoQ
 -1.3pp 12.2% 11.8% 11.6% 42%
Cost of Funds (YTD) 1.4%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.8% 1.7% 29%
Net Income ($, YTD) $1.5M
-22.2% YoY
— QoQ
 -$1.1M $2.6M $7.9M $40.4M 40%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Margin Compression

decline
#69 of 307 • Bottom 22.2% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.36%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

Cost Spiral

risk
#97 of 138 • Bottom 69.6% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 63.51%
(Tier: 64.48%, National: 70.05%)
better than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

504
Non-Interest-Bearing Deposit Share
funding
Value: 29.69%
Peer Median: 22.03%
#504 of 2643 Top 19.0% in $100M-$1B
597
Nonperforming Asset Ratio
credit_quality
Value: 0.06%
Peer Median: 0.67%
#597 of 2643 Top 22.6% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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