BlastPoint's Banking Scorecard
The Port Washington State Bank
Designations: ✓ Community bank
Port Washington, WI
8 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 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in WI.
- Deposits +8.6% year over year ($926.9M on the books).
- Delinquency rate 0.11%.
- Return on assets 0.72%.
- Efficiency ratio 70.36% vs a 59.73% peer average.
- Loan-to-deposit ratio 69.99% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Port Washington State Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.76% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.68% below tier average
- - Net Interest Margin 0.67% below tier average
- - Efficiency Ratio 10.63% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+6.7% YoY
+0.7% QoQ
|
-$1.8B |
$2.8B
-0.6% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
Bottom 1.1% in tier |
| Total Loans ? |
$648.7M
+7.7% YoY
+1.6% QoQ
|
-$1.3B |
$2.0B
-0.3% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
Bottom 5.8% in tier |
| Total Deposits ? |
$926.9M
+8.6% YoY
+0.4% QoQ
|
-$1.4B |
$2.3B
-0.5% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
Bottom 10.5% in tier |
| Return on Assets ? |
0.72%
+54.8% YoY
+30.8% QoQ
|
-0.68% |
1.39%
+17.0% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
Bottom 14.5% in tier |
| Net Interest Margin ? |
3.20%
+18.5% YoY
+7.0% QoQ
|
-0.67% |
3.87%
+6.2% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
22% |
| Efficiency Ratio ? |
70.36%
-10.0% YoY
-6.7% QoQ
|
+10.63% |
59.73%
-12.6% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
20% |
| Delinquency Rate ? |
0.11%
-61.0% YoY
-48.9% QoQ
|
-0.76% |
0.87%
+11.7% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
Top 12.8% in tier |
| Loan-to-Deposit Ratio ? |
69.99%
-0.8% YoY
+1.1% QoQ
|
-15.04% |
85.04%
-0.1% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
21.84%
-1.9% YoY
+2.7% QoQ
|
+0.57% |
21.27%
-1.5% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
60% |
| Nonperforming Asset Ratio ? |
0.07%
-60.6% YoY
-48.5% QoQ
|
-0.60% |
0.67%
+11.7% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
Top 11.0% in tier |
| Tier 1 Capital Ratio ? |
11.93%
-2.7% YoY
-1.7% QoQ
|
-2.91% |
14.84%
-0.4% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.20%
-1.0% YoY
+122.6% QoQ
|
-0.33% |
0.53%
+2.5% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
31% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
21.8%
-0.4pp YoY +0.6pp QoQ |
+0.5pp | 21.4% | 18.9% | 22.2% | 60% |
| Brokered Deposits | n/a | n/a | 9.5% | 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 |
12.5%
-0.8pp YoY -0.3pp QoQ |
-1.5pp | 14.0% | 10.5% | 12.5% | 57% |
| CRE |
57.2%
+2.7pp YoY 0.0pp QoQ |
+7.2pp | 50.0% | 46.4% | 41.4% | 68% |
| 1-4 Family |
28.2%
-1.2pp YoY +0.3pp QoQ |
+1.7pp | 26.4% | 32.3% | 31.3% | 61% |
| Consumer |
1.8%
-0.7pp YoY -0.1pp QoQ |
-2.9pp | 4.7% | 2.6% | 5.0% | 60% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.9%
-0.3pp YoY -0.2pp QoQ |
-3.7pp | 15.6% | 15.5% | 19.7% | 22% |
| Leverage Ratio |
9.0%
+0.1pp YoY +0.3pp QoQ |
-2.3pp | 11.3% | 12.6% | 12.6% | 11% |
| Total Capital Ratio |
12.8%
-0.3pp YoY -0.2pp QoQ |
-3.9pp | 16.7% | 16.6% | 20.8% | 19% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
132
+14 (+11.9%) YoY +7 (+5.6%) QoQ |
-182 | 313 | 134 | 482 | 17% |
| Assets per Employee ($) |
$7.7M
-4.6% YoY -4.7% QoQ |
-$2.8M | $10.5M | $8.2M | $8.8M | 34% |
| Branch Count |
8
0 YoY 0 QoQ |
-12 | 20 | 9 | 18 | 20% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.1%
-0.2pp YoY -0.1pp QoQ |
-0.7pp | 0.8% | 0.9% | 1.0% | 12% |
| Allowance Coverage |
8.99x
+149.6% YoY +94.2% QoQ |
-9.72x | 18.71x | 56.89x | 20.23x | 87% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.0% | 0.2% | 6% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.2%
+2.9pp YoY +2.3pp QoQ |
-2.3pp | 12.6% | 11.8% | 11.6% | 35% |
| Cost of Funds (YTD) |
1.7%
-0.3pp YoY -0.1pp QoQ |
-0.2pp | 1.9% | 1.8% | 1.7% | 39% |
| Net Income ($, YTD) |
$3.6M
+64.4% YoY — QoQ |
-$15.6M | $19.2M | $7.9M | $40.4M | 6% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.