BlastPoint's Banking Scorecard
Paper City Savings Bank, S.A.
Micro
Specialty: Commercial
WI
FDIC cert 29676
Designations: ✓ Community bank ✓ Mutual
Wisconsin Rapids, WI
2498
banks in Micro tier nationally
88 in WI
View Micro leaderboard (WI) →
Paper City Savings Bank, S.A. faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 34.16% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$213.3M
-0.9% YoY
-1.2% QoQ
|
-$4.2M |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
55% |
| Total Loans ? |
$187.6M
-0.6% YoY
+1.8% QoQ
|
+$48.4M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
71% |
| Total Deposits ? |
$172.6M
+6.0% YoY
-0.4% QoQ
|
-$11.0M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
52% |
| Return on Assets ? |
0.89%
+54.1% YoY
+5.1% QoQ
|
-0.19% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
39% |
| Net Interest Margin ? |
3.68%
+18.0% YoY
+3.1% QoQ
|
-0.17% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
43% |
| Efficiency Ratio ? |
73.58%
-8.0% YoY
-1.2% QoQ
|
+5.86% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
32% |
| Delinquency Rate ? |
0.64%
-2.7% YoY
-2.0% QoQ
|
0 |
0.64%
+24.4% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
108.69%
-6.2% YoY
+2.2% QoQ
|
+34.16% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.08%
-6.3% YoY
+6.6% QoQ
|
-7.32% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.56%
-2.4% YoY
+0.9% QoQ
|
+0.11% |
0.45%
+25.1% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
34% |
| Tier 1 Capital Ratio ? |
20.77%
+5.5% YoY
-0.3% QoQ
|
+11.92% |
8.85%
-3.4% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
Top 12% in tier |
| Non-Interest Income / Assets ? |
0.71%
+9.3% YoY
+33.3% QoQ
|
+0.15% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
83% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
108.69%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
88
88th pctile
Tier 1 Capital Ratio
Current: 20.77% · Tier avg: 8.85%
83
83th pctile
Non-Interest Income / Assets
Current: 0.71% · Tier avg: 0.56%
71
71th pctile
Total Loans
Current: $187.6M · Tier avg: $139.2M
55
55th pctile
Total Assets
Current: $213.3M · Tier avg: $217.5M
52
52th pctile
Total Deposits
Current: $172.6M · Tier avg: $183.7M
43
43th pctile
Net Interest Margin
Current: 3.68% · Tier avg: 3.85%
40
40th pctile
Delinquency Rate
Current: 0.64% · Tier avg: 0.64%
39
39th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.08%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.56% · Tier avg: 0.45%
32
32th pctile
Efficiency Ratio
Current: 73.58% · Tier avg: 67.73%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 15.08% · Tier avg: 22.39%
4
4th pctile
Loan-to-Deposit Ratio
Current: 108.69% · Tier avg: 74.53%
Top Weaknesses
4
4th pctile
Loan-to-Deposit Ratio
Current: 108.69% · Tier avg: 74.53%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 15.08% · Tier avg: 22.39%
32
32th pctile
Efficiency Ratio
Current: 73.58% · Tier avg: 67.73%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.56% · Tier avg: 0.45%
39
39th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.08%
40
40th pctile
Delinquency Rate
Current: 0.64% · Tier avg: 0.64%
43
43th pctile
Net Interest Margin
Current: 3.68% · Tier avg: 3.85%
52
52th pctile
Total Deposits
Current: $172.6M · Tier avg: $183.7M
55
55th pctile
Total Assets
Current: $213.3M · Tier avg: $217.5M
71
71th pctile
Total Loans
Current: $187.6M · Tier avg: $139.2M
83
83th pctile
Non-Interest Income / Assets
Current: 0.71% · Tier avg: 0.56%
88
88th pctile
Tier 1 Capital Ratio
Current: 20.77% · Tier avg: 8.85%