🏦Bank Scorer

THE PORT WASHINGTON STATE BANK

PORT WASHINGTON, WI · Supervised by FDIC

Est. 1899FDIC #8,698RSSD: FDIC-8698
Part ofPORT BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: February 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.55%

Institution Profile

FDIC BankFind

Address

206 N Franklin St, PORT WASHINGTON, WI

County

Ozaukee County

Established

September 11, 1899

Total Assets

$1.0B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Feb 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.0B

Total Deposits

$923M

Net Loans

$639M

Net Income

$1M

ROA

0.55%

ROE

7.95%

Risk-Based Capital

13.05%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate8.25%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$853M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202431575.87%8.25%
202356377.44%11.55%
202279883.96%5.51%
20211,02686.06%5.95%
20201,15783.15%6.14%
201971983.03%5.56%
201854479.96%7.17%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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