# PORTAGE COUNTY BANK
ALMOND, WI · FDIC certificate 10012 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $210.1M | |
| Deposits | $173.5M | |
| Loans and leases | $125.4M | |
| Total equity | $27.2M | |
| Loans / deposits | 71.53% (p46 of band) | 73.59% |
| Liquid assets / assets | 36.37% (p57 of band) | |
| Uninsured deposits / deposits | 31.15% (p84 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.21% (p70 of band) | |
| FHLB advances / assets | 4.21% | |
| Tier 1 leverage | 12.69% (p60 of band) | 11.76% |
| Unrealized securities loss / equity | -14.90% (p30 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 1.36% (p61 of band) | 1.17% |
| Net interest margin | 3.59% (p33 of band) | 3.93% |
| Efficiency ratio | 63.51% (p44 of band) | |
| Noncurrent loans | 0.10% (p34 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p19 of band) | |
| Reserve coverage of noncurrent | 988.71% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 16.91% (p49 of band) | |
| Auto loans | $21,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.2% | |
| Employees | 37 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 4 | capital falling |  |
| 2012-03 | 2 |  | reserve under noncurrent, capital falling |
| 2012-06 | 2 |  |  |
| 2012-09 | 3 | uninsured deposits leaving |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 4 | reserve under noncurrent |  |
| 2013-06 | 5 | assets shrinking |  |
| 2013-09 | 5 | deposits shrinking | uninsured deposits leaving |
| 2013-12 | 4 |  | wholesale funding >15% |
| 2014-03 | 6 | wholesale funding >15%, uninsured deposits leaving |  |
| 2014-06 | 3 |  | assets shrinking, wholesale funding >15%, uninsured deposits leaving |
| 2014-09 | 1 |  | reserve under noncurrent, deposits shrinking |
| 2014-12 | 3 | capital falling, deposits shrinking, assets shrinking | brokered >10% |
| 2015-03 | 2 |  | capital falling |
| 2015-06 | 1 | brokered >10% | deposits shrinking, assets shrinking |
| 2015-09 | 3 | wholesale funding >15%, capital falling |  |
| 2015-12 | 2 |  | wholesale funding >15% |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 3 | wholesale funding >15%, uninsured deposits leaving |  |
| 2016-09 | 3 | expense ratio p90 | uninsured deposits leaving |
| 2016-12 | 1 |  | wholesale funding >15%, expense ratio p90 |
| 2017-03 | 0 |  | brokered >10% |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 3 | brokered >10%, wholesale funding >15%, capital falling |  |
| 2019-06 | 1 |  | wholesale funding >15%, capital falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 0 |  | brokered >10% |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | securities losses >30% of equity |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | securities losses >30% of equity |
| 2023-06 | 2 | securities losses >30% of equity, reserve under noncurrent |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 | capital falling | securities losses >30% of equity, reserve under noncurrent |
| 2024-03 | 0 |  | capital falling |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2015-07-28 [Portage County Bank to acquire Bancroft State Bank - Stevens Point Journal](https://news.google.com/rss/articles/CBMitwFBVV95cUxOSWo1cVA1ajY0NXdBWDBUTWVXcmR2MkdITFkzOWpXOFdKQkh6OVJ2cF9uNGE3bDlZcjlSanJxVnRwaVRhQjhEMmllWjJmblhSWnhCYUs3WW5uemlicllPdWVrRWRubF9OMTI5VlN1Z2V6NXliRHJ3a0FEcmlsZldGQkxaakVkWTQ0X0RKOV92WlJPMDB4WkR5ZG5UN2RPRlplZmNpaldIMWhFb3E4V0ZqbVFSN0JCODQ?oc=5) · Stevens Point Journal
- 2018-01-22 [Portage County Business Council to honor banker, attorney, Aspirus, Community First Bank - Stevens Point Journal](https://news.google.com/rss/articles/CBMi7wFBVV95cUxNN3dYa0tjQnBINmY4MzY2TkUwZm5hcUwtc1ZTQXREQ3M1dVhwUURzVUdPRWlKblIzcFphMzBQNFpZOVlYbVpyZk1QMUdBNGg5UWNqWjM0S2VyLXkycEtITWtGWEphYVZIMUkzTk9kbmZrRzlfREdkbXdNV25GbjRhRF9TaDdHWW5RaUJLUmZ5RUZjeHBicmlRMGdSam9tNVY4dmgwb213UTlUa1g3RFN6amhHcFRKNUFFTmp0bmxvZ0E5Y1I2ZVY1a1gxSzhNaXpEX19vV0ZObWpmVnNOT1JaWU5oLTNTaXZyenJya0pHQQ?oc=5) · Stevens Point Journal
- 2013-12-30 [Kenneth D. Pagel's Obituary, Visitation & Funeral Information - Holly Funeral Home](https://news.google.com/rss/articles/CBMid0FVX3lxTE5uc2JsdTQ2SHFmV0pWZ19lelBKY0VUTkQwSHdOZTNtOFpJanhJR0VvLWhCYTI2TEh6MkNxWk1RVFFuLWxUMTRJcEFRWi1QZ0luSERCeTJQQUZxTzRCMWZKZ1B2eFlxanY3M0dGaHE4OGtMTk00bW5r?oc=5) · Holly Funeral Home
- 2019-04-22 [Chat-R-Box Restaurant moves to new Kellner location; expansion adds ice cream, salad bar - Daily Tribune Media](https://news.google.com/rss/articles/CBMivwFBVV95cUxQcndQSU5YaFpYZHQwQy1iX3NqcUwzOXRHa0dIRXYtYWVYZ0swRlh5WjZPMjVkUDJCeWFia2hrMGRieHRHakZnV19WYmstcV82LVdNWTEzRVRobG91aW9Kb3RrRVRZb3ZUcHBtaEROMjRFa2FwRnBQWHFEYVB0MUxEQUdhdWtRSm5TTFY2UDJiRUh0Ym1xR1UybEc5emRodTQ3ZDdtN21RSGFQeXBLYXlsdms3NUZzUS1odUZ0V2dCVQ?oc=5) · Daily Tribune Media
- 2025-03-24 [Liam D. Peck Obituary (2025) - Plainfield, WI - Stahl Funeral Home - Plainfield - legacy.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE1aemxyV3NZOFE2aFlGV3dmT0s3ZldDeXRKUlNFR3VXb0Z1eFdlbEI0Yk96b0Q0MzQwV3h4dnZTazVLaktWQlFadE9Cd1p1VkYtSUlTOHVTb3o1WFd5Vm8zQ2RpU2xjR2RnUGRRd0xwQVpZNGVvbjNJUThHdFc?oc=5) · legacy.com
- 2021-09-26 [Merle Pagel Obituary (2013) - Almond, WI - Stevens Point Journal - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxNaGNCeHF3M2d0eFdKcV9jRnlfZnFWZVMtaWN1U3BTVDNkTHRMREQ1MWs2MExiU2g2Y2diMlVxRVdpOERleHBEZnZIdGEtbk5jMEpEbjVMajM0X2tRODhMSDAwNTFkSnNtSVhCcjMwQ2c2bzYzSHIwazFBQnBCdlloQ0NRaG1BSnQ4VjA2b3dENmNBVXdFeUU3Sg?oc=5) · legacy.com
- 2025-10-27 [Dennis "Denny" J. Freund Obituary - Stevens Point Journal](https://news.google.com/rss/articles/CBMiakFVX3lxTE5SS2NaRmxpVUo2dDhiYnh0dDltS2VPTFIyZHptaWRHTHNRUHgxMnVPaVBpN1FQeUtIdHJCZVRwYnpzVHdLWDdUY0NkYWpVM08tdXZYd2hlWW96VlBXMGtpRi1QV0h2S3ZBVUE?oc=5) · Stevens Point Journal
- 2016-03-26 [Larry Huebner Obituary (1939 - 2016) - Plover, WI - Stevens Point Journal - legacy.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxPazVpdXJSLXMtZENvaWdzNHRRaWJid2g3V1Jwc2k5ZTVLLVJjLV91SDNzTzcxSnFJcWtTbEU4ZnBPbHF5Y3UwdTAxZFlJbU0tX2c1TEdibGYtTlF1cnhiNFhGZ3lSdktVbzh6X2RCaDNyS0ZadVh5UWdRV19CLUQtTTRaektxVXh4b0gxejRpWjVnMmJpZnN5NTZJbFA?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10012 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/28.json (key "10012", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide