TellerScore

Headquartered in Port Washington, Wisconsin, The Port Washington State Bank is a state-chartered bank with $1.0B in total assets and $926.9M in deposits as of Q2 2026. It operates 8 offices. Its charter dates back to 1899.

The Port Washington State Bank has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 44% of its 897 banks with $1 billion – $10 billion. Among 154 banks headquartered in Wisconsin, it ranks 107th. Problem-loan coverage contributes the most (98/100, 0.9%); capital cushion contributes the least (40/100, 8.97%).

TellerScore · Q2 2026

Scorecard

Capital cushion40/100
Tier 1 leverage ratio: 8.97%
Loan quality96/100
Noncurrent loans ÷ total loans: 0.11%
Earnings49/100
Return on assets (annualized): 0.72%
Funding & liquidity76/100
Loans ÷ deposits and uninsured-deposit share: 70.0% · 27.5% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.89%

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 4 points (63 → 67), mostly because the earnings component improved by 11 points.

TellerScore
606467Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202463
Q4 202462
Q1 202560
Q2 202563
Q3 202564
Q4 202566
Q1 202664
Q2 202667
Tier 1 leverage ratio
5.00%7.03%9.06%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.06%
Q3 20248.95%
Q4 20249.00%
Q1 20258.57%
Q2 20258.89%
Q3 20258.80%
Q4 20259.00%
Q1 20268.64%
Q2 20268.97%
Noncurrent loans
0.11%0.28%0.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.19%
Q3 20240.22%
Q4 20240.33%
Q1 20250.46%
Q2 20250.27%
Q3 20250.20%
Q4 20250.19%
Q1 20260.21%
Q2 20260.11%
Return on assets
0.22%0.47%0.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.22%
Q3 20240.27%
Q4 20240.30%
Q1 20250.38%
Q2 20250.46%
Q3 20250.53%
Q4 20250.61%
Q1 20260.55%
Q2 20260.72%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$1.0B8.97%0.11%0.72%70.0%
Q1 202664$1.0B8.64%0.21%0.55%69.2%
Q4 202566$1.0B9.00%0.19%0.61%66.1%
Q3 202564$971.4M8.80%0.20%0.53%70.7%
Q2 202563$946.2M8.89%0.27%0.46%70.6%
Q1 202560$962.9M8.57%0.46%0.38%68.1%
Q4 202462$959.7M9.00%0.33%0.30%68.5%
Q3 202463$909.9M8.95%0.22%0.27%71.1%
Q2 202463$902.5M9.06%0.19%0.22%69.5%

897 peers · $1 billion – $10 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 ratio8.97%
11th
Total risk-based capital12.84%
39th
Problem loans0.11%
86th
Net charge-offs-0.01%
95th
Return on assets0.72%
15th
Net interest margin3.20%
22nd
Efficiency ratio70.4%
20th
Loans to deposits70.0%
84th
Uninsured deposits27.5%
61st
Loan-loss reserves0.96%
26th
Texas ratio0.9%
84th

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
River BankBank Stoddard, WI73 out of 100, Strong$1.0B12.0%0.16%vs
Prevail BankBank Medford, WI74 out of 100, Strong$1.0B12.6%0.20%vs
Security Financial BankBank Durand, WI61 out of 100, Moderate$1.0B9.7%1.44%vs
Bank CmgBank Madison, WI65 out of 100, Moderate$1.1B9.6%0.24%vs
Great Midwest Bank, S.S.B.Bank Brookfield, WI80 out of 100, Strong$1.1B16.5%0.56%vs
Ixonia BankBank Ixonia, WI67 out of 100, Moderate$1.1B10.0%0.25%vs

Deposit insurance

Is my money safe at The Port Washington State Bank?

Yes. The Port Washington State Bank is an FDIC-insured institution (FDIC certificate #8698). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.5% of deposits ($254.5M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.97%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.84% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

The Port Washington State Bank lists 8 offices in 8 cities. Most locations:

  • Belgium, WI (1)
  • Cedarburg, WI (1)
  • Fredonia, WI (1)
  • Grafton, WI (1)
  • Mequon, WI (1)
  • Port Washington, WI (1)
  • Saukville, WI (1)
  • Thiensville, WI (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Port Washington State Bank reported 326 home-loan applications under HMDA (LEI 549300BPOIHOHG3TPP54): 260 originated ($84,890,000 total), 13 denied, and 26 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
The Port Washington State Bank
Type
State-chartered bank
FDIC certificate #
8698
RSSD ID
937740
Primary regulator
FDIC
Holding company
Port Bancshares Inc
Established
September 11, 1899
Headquarters
206 N Franklin St, Port Washington, WI 53074
Employees
132

Quick answers

The Port Washington State Bank: common questions

Is The Port Washington State Bank FDIC insured?

Yes. The Port Washington State Bank is an FDIC-insured institution (FDIC certificate #8698). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Port Washington State Bank's TellerScore?

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

Has The Port Washington State Bank ever failed?

There is no failure record for FDIC certificate #8698 in the FDIC failed bank list.

How many branches does The Port Washington State Bank have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Port Washington

InstitutionScoreAssetsCapitalProblem loansCompare
State Bank of NewburgBank Newburg, WI93 out of 100, Very strong$328.1M17.3%0.00%vs
National Exchange Bank and TrustBank Fond Du Lac, WI88 out of 100, Very strong$2.9B20.1%0.37%vs
North Shore BankBank Brookfield, WI84 out of 100, Strong$2.6B14.4%0.10%vs
Focus Credit UnionCredit union Menomonee Falls, WI83 out of 100, Strong$61.7M14.0%0.49%vs
Marathon BankBank Wausau, WI82 out of 100, Strong$261.1M15.3%0.03%vs
WaterStone Bank, SSBBank Wauwatosa, WI81 out of 100, Strong$2.3B15.4%0.36%vs