BlastPoint's Banking Scorecard

Paper City Savings Bank, S.A.

$100M-$1B Specialty: Commercial WI FDIC cert 29676

Designations: ✓ Mutual

Wisconsin Rapids, WI

3 branches across WI

2664 banks in the $100M-$1B peer group nationally 113 in WI

Paper City Savings Bank, S.A. has 1 strength but faces 5 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

+ Delinquency Rate 0.26% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 8.5% in tier
- Flatlined Growth: Bottom 26.2% in tier
- Liquidity Strain: Bottom 42.8% in tier
- ROA 0.35% below tier average
- Efficiency Ratio 7.82% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$213.0M -0.5% YoY -0.2% QoQ	-$173.1M	$386.1M +0.5% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	30%
Total Loans ?	$184.5M -0.7% YoY -1.7% QoQ	-$71.2M	$255.7M +1.1% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	45%
Total Deposits ?	$174.0M +6.6% YoY +0.8% QoQ	-$154.0M	$328.0M +0.1% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	27%
Return on Assets ?	0.92% +66.6% YoY +2.7% QoQ	-0.35%	1.27% +12.9% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	32%
Net Interest Margin ?	3.96% +21.3% YoY +7.8% QoQ	+0.03%	3.93% +6.0% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	55%
Efficiency Ratio ?	73.11% -10.4% YoY -0.6% QoQ	+7.82%	65.29% -4.5% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	26%
Delinquency Rate ?	0.62% -4.3% YoY -2.9% QoQ	-0.26%	0.89% +18.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	39%
Loan-to-Deposit Ratio ?	106.03% -6.8% YoY -2.4% QoQ	+29.39%	76.64% +0.8% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	Bottom 4.4% in tier
Non-Interest-Bearing Deposit Share ?	13.91% +4.2% YoY -7.8% QoQ	-8.11%	22.02% -1.0% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	20%
Nonperforming Asset Ratio ?	0.54% -4.5% YoY -4.3% QoQ	-0.10%	0.64% +19.7% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	35%
Tier 1 Capital Ratio ?	21.33% +5.7% YoY +2.7% QoQ	+5.50%	15.83% +1.5% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	Top 11.0% in tier
Non-Interest Income / Assets ?	0.14% -23.5% YoY -80.0% QoQ	-0.14%	0.28% +9.3% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	71%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (3)

Liquidity Overhang

risk

#64 of 739 • Bottom 8.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 21.33%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 106.03%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Flatlined Growth

risk

#135 of 512 • Bottom 26.2% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.92%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank declining

Liquidity Strain

risk

#276 of 643 • Bottom 42.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 106.03%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

294

Tier 1 Capital Ratio

capital

Value: 21.33%

Peer Median: 15.83%

#294 of 2664 Top 11.0% in $100M-$1B

Top Weaknesses (2 metrics)

2549

Loan-to-Deposit Ratio

liquidity

Value: 106.03%

Peer Median: 76.64%

#2549 of 2664 Bottom 4.4% in $100M-$1B

2125

Non-Interest-Bearing Deposit Share

funding

Value: 13.91%

Peer Median: 22.02%

#2125 of 2664 Bottom 20.3% in $100M-$1B