Paper City Savings Bank Sa
Wisconsin Rapids, Wisconsin · FDIC Cert #29676
Paper City Savings Bank Sa is an FDIC-insured bank (Certificate #29676) with $213M in total assets and $158M in total deposits as of the Q2 2024 Call Report. Headquartered in Wisconsin Rapids, Wisconsin, the bank maintains a Tier 1 capital ratio of 19.63% (Well-Capitalized) and a nonperforming loan ratio of 0.58%. BankHealthData assigns a composite Health Grade of B (70/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Paper City Savings Bank Sa (FDIC cert 29676) is a community bank — $213M in total assets, $158M in deposits, serving the Wisconsin Rapids, Wisconsin area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 19.63% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.58% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is thin: 9.3% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is thin: ROA of 0.56% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Paper City Savings Bank Sa carries a composite BankHealth grade of B (70/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Paper City Savings Bank Sa
- Total Assets
- $213M
- Total Deposits
- $158M
- Tier 1 Capital Ratio
- 19.63%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.58%
- Liquidity Ratio
- 9.26%
- Return on Assets
- 0.56%
- Headquarters
- Wisconsin Rapids, Wisconsin
- FDIC Certificate
- #29676
- Health Grade
- B (70/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Paper City Savings Bank Sa holds a Tier 1 capital ratio of 19.63%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Paper City Savings Bank Sa has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Paper City Savings Bank Sa shows strong financial health indicators. With $213M in assets and a Health Score of 70/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Paper City Savings Bank Sa Compares
Paper City Savings Bank Sa’s Health Score of 70 is 3 points above the Wisconsin state average of 67 across 141 FDIC-insured banks. Its 19.63% Tier 1 capital ratio is 5.6 points above the US banking industry average near 14%. The 0.58% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.56% is below the national ROA benchmark of ~1.1%. Among 1535 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort.
Frequently Asked Questions
Paper City Savings Bank Sa has a Bank Health Score of B (70/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 19.63%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Paper City Savings Bank Sa's Tier 1 capital ratio of 19.63% and nonperforming loan ratio of 0.58% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Paper City Savings Bank Sa is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #29676). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Paper City Savings Bank Sa holds $213M in total assets and $158M in total deposits. It is headquartered in Wisconsin Rapids, Wisconsin (FDIC Certificate #29676).
Paper City Savings Bank Sa has a Tier 1 capital ratio of 19.63%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.58%, and the return on assets is 0.56%.
Yes. Paper City Savings Bank Sa is FDIC-insured (Certificate #29676). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Paper City Savings Bank Sa's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.