TellerScore

Paper City Savings Bank, S.A. (FDIC certificate #29676) is based in Wisconsin Rapids, Wisconsin. Its Q2 2026 call report shows $208.3M in total assets and $170.2M in deposits and 3 offices.

Based on its Q2 2026 filing, Paper City Savings Bank, S.A. scores 79/100, which we describe as strong. That is higher than 75% of 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 53rd. Its strongest component is capital cushion (100/100; 16.11%), and its lowest is funding & liquidity (55/100; 105% loans-to-deposits, 8% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 16.11%
Loan quality77/100
Noncurrent loans ÷ total loans: 0.68%
Earnings61/100
Return on assets (annualized): 1.02%
Funding & liquidity55/100
Loans ÷ deposits and uninsured-deposit share: 105.5% · 7.9% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.50%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (76 → 79), mostly because the earnings component improved by 14 points.

TellerScore
727679Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202473
Q4 202473
Q1 202573
Q2 202576
Q3 202577
Q4 202578
Q1 202679
Q2 202679
Tier 1 leverage ratio
5.00%10.56%16.11%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.27%
Q3 202414.25%
Q4 202414.49%
Q1 202514.62%
Q2 202514.59%
Q3 202514.93%
Q4 202515.21%
Q1 202615.62%
Q2 202616.11%
Noncurrent loans
0.52%0.60%0.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.58%
Q3 20240.58%
Q4 20240.65%
Q1 20250.65%
Q2 20250.52%
Q3 20250.65%
Q4 20250.64%
Q1 20260.62%
Q2 20260.68%
Return on assets
0.41%0.72%1.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.41%
Q3 20240.54%
Q4 20240.58%
Q1 20250.55%
Q2 20250.68%
Q3 20250.85%
Q4 20250.89%
Q1 20260.92%
Q2 20261.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$208.3M16.11%0.68%1.02%105.5%
Q1 202679$213.0M15.62%0.62%0.92%106.0%
Q4 202578$213.3M15.21%0.64%0.89%108.7%
Q3 202577$215.9M14.93%0.65%0.85%106.3%
Q2 202576$216.6M14.59%0.52%0.68%108.1%
Q1 202573$214.1M14.62%0.65%0.55%113.7%
Q4 202473$215.2M14.49%0.65%0.58%115.8%
Q3 202473$212.7M14.25%0.58%0.54%114.9%
Q2 202472$213.3M14.27%0.58%0.41%117.4%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio16.11%
91st
Total risk-based capital23.22%
91st
Problem loans0.68%
38th
Net charge-offs0.01%
48th
Return on assets1.02%
35th
Net interest margin4.10%
59th
Efficiency ratio70.9%
28th
Loans to deposits105.5%
6th
Uninsured deposits7.9%
97th
Loan-loss reserves0.82%
12th
Texas ratio3.5%
44th

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
The Portage County BankBank Almond, WI83 out of 100, Strong$210.1M12.7%0.10%vs
Badger BankBank Fort Atkinson, WI82 out of 100, Strong$206.0M12.4%0.07%vs
Crossbridge Community BankBank Tomahawk, WI81 out of 100, Strong$216.7M13.1%0.28%vs
Bank of MiltonBank Milton, WI53 out of 100, Below average$221.4M9.5%2.34%vs
Bristol Morgan BankBank Oakfield, WI66 out of 100, Moderate$191.2M10.3%0.43%vs
Community Bank of CameronBank Cameron, WI73 out of 100, Strong$226.9M9.0%0.53%vs

Deposit insurance

Is my money safe at Paper City Savings Bank, S.A.?

Yes. Paper City Savings Bank, S.A. is an FDIC-insured institution (FDIC certificate #29676). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 7.9% of deposits ($13.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 16.11%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 23.22% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Paper City Savings Bank, S.A. lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Paper City Savings Bank, S.A.
Former names
Paper City Savings Association; Nekoosa-Port Edwards Savings and Loan Association
Type
Savings association
FDIC certificate #
29676
RSSD ID
102874
Primary regulator
FDIC
Established
January 1, 1933
Headquarters
4200 8th St S, Wisconsin Rapids, WI 54494
Employees
42

Quick answers

Paper City Savings Bank, S.A.: common questions

Is Paper City Savings Bank, S.A. FDIC insured?

Yes. Paper City Savings Bank, S.A. is an FDIC-insured institution (FDIC certificate #29676). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Paper City Savings Bank, S.A.'s TellerScore?

79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Paper City Savings Bank, S.A. ever failed?

There is no failure record for FDIC certificate #29676 in the FDIC failed bank list.

How many branches does Paper City Savings Bank, S.A. have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Wisconsin Rapids

InstitutionScoreAssetsCapitalProblem loansCompare
Nekoosa Port Edwards State BankBank Nekoosa, WI93 out of 100, Very strong$286.5M15.1%0.00%vs
Members' Advantage Credit UnionCredit union Wisconsin Rapid, WI93 out of 100, Very strong$185.2M19.2%0.21%vs
First Choice Credit UnionCredit union Marshfield, WI89 out of 100, Very strong$51.0M16.3%0.65%vs
The Portage County BankBank Almond, WI83 out of 100, Strong$210.1M12.7%0.10%vs
Valley Communities Credit UnionCredit union Mosinee, WI83 out of 100, Strong$306.9M13.0%0.28%vs
The Pineries BankBank Stevens Point, WI83 out of 100, Strong$149.1M11.3%0.00%vs