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

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 -0.5% year over year ($170.2M on the books).
Delinquency rate 0.68%.
Return on assets 1.02%.
Efficiency ratio 70.89% vs a 64.48% peer average.
Loan-to-deposit ratio 105.47% 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) →

Paper City Savings Bank, S.A. has 2 strengths 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

+ Net Interest Margin 0.11% above tier average
+ Delinquency Rate 0.23% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 8.5% in tier
- Liquidity Strain: Bottom 32.3% in tier
- Credit Quality Pressure: Bottom 39.1% in tier
- ROA 0.30% below tier average
- Efficiency Ratio 6.41% above tier average

Get updates when Paper City Savings Bank, S.A. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$208.3M -3.8% YoY -2.2% QoQ	-$178.2M	$386.6M +1.2% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	29%
Total Loans ?	$179.5M -3.0% YoY -2.7% QoQ	-$78.9M	$258.3M +1.7% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	43%
Total Deposits ?	$170.2M -0.5% YoY -2.2% QoQ	-$156.5M	$326.7M +0.7% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	27%
Return on Assets ?	1.02% +50.1% YoY +11.9% QoQ	-0.30%	1.32% +10.8% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	35%
Net Interest Margin ?	4.10% +19.6% YoY +3.4% QoQ	+0.11%	3.99% +5.0% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	59%
Efficiency Ratio ?	70.89% -9.0% YoY -3.0% QoQ	+6.41%	64.48% -3.2% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	28%
Delinquency Rate ?	0.68% +31.7% YoY +9.8% QoQ	-0.23%	0.92% +15.7% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	38%
Loan-to-Deposit Ratio ?	105.47% -2.5% YoY -0.5% QoQ	+27.51%	77.95% +1.0% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	Bottom 5.6% in tier
Non-Interest-Bearing Deposit Share ?	13.88% +4.5% YoY -0.2% QoQ	-8.15%	22.03% -0.6% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	20%
Nonperforming Asset Ratio ?	0.59% +32.9% YoY +9.2% QoQ	-0.08%	0.67% +16.4% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	35%
Tier 1 Capital Ratio ?	22.24% +8.9% YoY +4.3% QoQ	+6.33%	15.91% +1.4% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	Top 10.0% in tier
Non-Interest Income / Assets ?	0.30% -11.4% YoY +108.2% QoQ	-0.27%	0.57% +7.6% YoY	2.21% +12.7% YoY	0.66% +5.2% YoY	71%

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	13.9% +0.6pp YoY 0.0pp QoQ	-8.3pp	22.1%	18.9%	22.2%	20%
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	3.2% 0.0pp YoY +0.2pp QoQ	-8.3pp	11.6%	10.5%	12.5%	11%
CRE	33.1% -2.3pp YoY -1.8pp QoQ	-6.5pp	39.5%	46.4%	41.4%	40%
1-4 Family	62.8% +2.6pp YoY +1.8pp QoQ	+30.2pp	32.6%	32.3%	31.3%	92%
Consumer	1.6% -0.3pp YoY 0.0pp QoQ	-2.5pp	4.1%	2.6%	5.0%	41%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
CET1 Ratio	22.2% +1.8pp YoY +0.9pp QoQ	+3.4pp	18.8%	15.5%	19.7%	84%
Leverage Ratio	16.1% +1.5pp YoY +0.5pp QoQ	+3.9pp	12.2%	12.6%	12.6%	91%
Total Capital Ratio	23.2% +1.8pp YoY +0.9pp QoQ	+3.3pp	19.9%	16.6%	20.8%	83%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Full-Time Employees	42 +1 (+2.4%) YoY +2 (+5.0%) QoQ	-17	58	134	482	44%
Assets per Employee ($)	$5.0M -6.1% YoY -6.8% QoQ	-$2.6M	$7.5M	$8.2M	$8.8M	14%
Branch Count	3 0 YoY 0 QoQ	-2	4	9	18	26%

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	0.7% +0.2pp YoY +0.1pp QoQ	-0.3pp	0.9%	0.9%	1.0%	62%
Allowance Coverage	1.21x -22.2% YoY -6.2% QoQ	-22.94x	24.15x	56.89x	20.23x	32%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.0%	0.2%	43%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
ROE	6.6% +1.8pp YoY +0.6pp QoQ	-5.6pp	12.2%	11.8%	11.6%	19%
Cost of Funds (YTD)	1.6% -0.4pp YoY -0.1pp QoQ	-0.1pp	1.7%	1.8%	1.7%	42%
Net Income ($, YTD)	$1.1M +47.5% YoY — QoQ	-$1.5M	$2.6M	$7.9M	$40.4M	29%

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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 742 • 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: 22.24%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 105.47%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ

Liquidity Strain

risk

#224 of 691 • Bottom 32.3% 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: 105.47%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#492 of 1256 • Bottom 39.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.68%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

265

Tier 1 Capital Ratio

capital

Value: 22.24%

Peer Median: 15.91%

#265 of 2643 Top 10.0% in $100M-$1B

Top Weaknesses (2 metrics)

2497

Loan-to-Deposit Ratio

liquidity

Value: 105.47%

Peer Median: 77.95%

#2497 of 2643 Bottom 5.6% in $100M-$1B

2104

Non-Interest-Bearing Deposit Share

funding

Value: 13.88%

Peer Median: 22.03%

#2104 of 2643 Bottom 20.4% in $100M-$1B