BlastPoint's Banking Scorecard
The Port Washington State Bank
Designations: ✓ Community bank
Port Washington, WI
8 branches across WI
The Port Washington State Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.68% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.82% below tier average
- - Net Interest Margin 0.83% below tier average
- - Efficiency Ratio 14.33% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+4.2% YoY
-3.0% QoQ
|
-$1.8B |
$2.8B
-0.1% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
Bottom 0.3% in tier |
| Total Loans ? |
$638.7M
+7.4% YoY
+1.2% QoQ
|
-$1.3B |
$2.0B
+0.6% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
Bottom 6.1% in tier |
| Total Deposits ? |
$922.9M
+5.8% YoY
-3.2% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
Bottom 9.2% in tier |
| Return on Assets ? |
0.55%
+42.1% YoY
-9.9% QoQ
|
-0.82% |
1.37%
+19.6% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
Bottom 10.5% in tier |
| Net Interest Margin ? |
2.99%
+16.8% YoY
+3.7% QoQ
|
-0.83% |
3.82%
+6.9% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
17% |
| Efficiency Ratio ? |
75.39%
-6.8% YoY
+2.6% QoQ
|
+14.33% |
61.06%
-4.6% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 13.8% in tier |
| Delinquency Rate ? |
0.21%
-54.1% YoY
+10.1% QoQ
|
-0.68% |
0.89%
+14.1% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
69.21%
+1.6% YoY
+4.6% QoQ
|
-14.99% |
84.20%
+0.3% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
21.27%
+2.9% YoY
+3.2% QoQ
|
-0.02% |
21.29%
-2.5% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.13%
-52.6% YoY
+14.9% QoQ
|
-0.54% |
0.67%
+15.6% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
81% |
| Tier 1 Capital Ratio ? |
12.14%
-1.7% YoY
-0.3% QoQ
|
-3.02% |
15.16%
+2.0% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.09%
-5.6% YoY
-78.6% QoQ
|
-0.17% |
0.26%
+1.6% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
27% |
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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.