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Port Washington State Bank

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Port Washington State Bank Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Port Washington State Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 10, 2026

Port Washington State Bank rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.88%, 6-month CD rates at 2.73% and 3-month CD rates at 2.57%. Savings rates are at 0.84% and money market rates are at 1.15%. Mortgage rates on 30-year fixed loans are around 6.75%. These rates come from our rate database, not Port Washington State Bank, and you can see how they compare in the Port Washington State Bank rate tables below. MonitorBankRates evaluates the financial stability of Port Washington State Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.97%. Database rates last updated and verified on 09/10/2026.

Port Washington State Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Port Washington State Bank? Share your experience about Port Washington State Bank by leaving a review below, or read customer reviews before you decide to use Port Washington State Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.97%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

The Port Washington State Bank

206 N Franklin St
Port Washington, WI 53074

https://www.pwsb.bank

Port Washington State Bank Mortgage Rates

Product	Rate	Points	APR
10 Year Fixed Rate	6.13%	-	6.23%
Details The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $180,000 and an estimated property value of $225,000. The property is located in WI and is within Ozaukee county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 740. At a 6.125% interest rate, the APR for this loan type is 6.228%. The monthly payment schedule would be: 119 payments of $2,009.69 at an interest rate of 6.125%; 1 payment of $2,009.23 at an interest rate of 6.125%. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
15 Year Fixed Rate	6.25%	-	6.32%
Details The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $180,000 and an estimated property value of $225,000. The property is located in WI and is within Ozaukee county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 740. At a 6.250% interest rate, the APR for this loan type is 6.324%. The monthly payment schedule would be: 179 payments of $1,543.36 at an interest rate of 6.250%; 1 payment of $1,543.56 at an interest rate of 6.250%. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
20 Year Fixed Rate	6.50%	-	6.67%
Details The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $180,000 and an estimated property value of $225,000. The property is located in WI and is within Ozaukee county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 740. At a 6.500% interest rate, the APR for this loan type is 6.671%. The monthly payment schedule would be: 239 payments of $1,342.03 at an interest rate of 6.500%; 1 payment of $1,342.38 at an interest rate of 6.500%. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
30 Year Fixed Rate	6.88%	-	7.01%
Details The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $180,000 and an estimated property value of $225,000. The property is located in WI and is within Ozaukee county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 740. At a 6.875% interest rate, the APR for this loan type is 7.008%. The monthly payment schedule would be: 359 payments of $1,182.47 at an interest rate of 6.875%; 1 payment of $1,183.08 at an interest rate of 6.875%. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Vacant Land - 1 year ARM	6.50%	-	7.17%
Details The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $85,000 and an estimated property value of $100,000. The property is located in WI and is within Ozaukee county. The property is and will be used as . The rate lock period is 60 days and the assumed credit score is 740. At a 6.500% initial interest rate, the APR for this loan type is 7.174%, subject to increase. Based on current market conditions, the monthly payment schedule would be: 12 payments of $633.74 at an interest rate of 6.500%; 227 payments of $664.19 at an interest rate of 7.125%; 1 payment of $664.73 at an interest rate of 7.125%. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Vacant Land - 3 year ARM	6.99%	-	7.21%
Details The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $85,000 and an estimated property value of $100,000. The property is located in WI and is within Ozaukee county. The property is and will be used as . The rate lock period is 60 days and the assumed credit score is 740. At a 6.990% initial interest rate, the APR for this loan type is 7.208%, subject to increase. Based on current market conditions, the monthly payment schedule would be: 36 payments of $658.49 at an interest rate of 6.990%; 203 payments of $664.61 at an interest rate of 7.125%; 1 payment of $664.46 at an interest rate of 7.125%. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
3/1 Adjustable Rate Mortgage	7.25%	-	7.38%
Details The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $180,000 and an estimated property value of $225,000. The property is located in WI and is within Ozaukee county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 740. At a 7.375% initial interest rate, the APR for this loan type is 7.251%, subject to increase. Based on current market conditions, the monthly payment schedule would be: 36 payments of $1,243.22 at an interest rate of 7.375%; 323 payments of $1,214.49 at an interest rate of 7.125%; 1 payment of $1,215.03 at an interest rate of 7.125%. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
5/1 Adjustable Rate Mortgage	7.29%	-	7.38%
Details The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $180,000 and an estimated property value of $225,000. The property is located in WI and is within Ozaukee county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 740. At a 7.375% initial interest rate, the APR for this loan type is 7.287%, subject to increase. Based on current market conditions, the monthly payment schedule would be: 60 payments of $1,243.22 at an interest rate of 7.375%; 299 payments of $1,215.82 at an interest rate of 7.125%; 1 payment of $1,214.79 at an interest rate of 7.125%. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Port Washington State Bank’s Texas Ratio fell from 2.20% in Q3 2023 to 0.97% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 2.9 to 5.0 and its Health Grade from C+ to A+. Lower Texas Ratios are healthier; the amber line marks the 15% level a bank must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.0B	0.97%	5.0	A+
March 31, 2026	$1.0B	1.93%	5.0	A+
December 31, 2025	$1.0B	1.73%	4.8	A
September 30, 2025	$971M	1.83%	4.9	A+
June 30, 2025	$946M	2.64%	4.7	A
March 31, 2025	$963M	4.50%	4.3	A-
December 31, 2024	$960M	3.43%	4.0	B+
September 30, 2024	$910M	2.11%	4.8	A
June 30, 2024	$903M	2.03%	4.0	B+
March 31, 2024	$907M	2.74%	4.0	B+
December 31, 2023	$972M	1.47%	3.7	B
September 30, 2023	$899M	2.20%	2.9	C+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Port Washington State Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Port Washington State Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Port Washington State Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Port Washington State Bank

Bank Holding Company PORT BANCSHARES INC

Address 206 N Franklin St, Port Washington, WI 53074 · Ozaukee

Website https://www.pwsb.bank

FDIC Certificate # 8698

Established 18990911

FDIC Insurance Date 19340101

Domestic Offices 8

Total Branches 8

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.97%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.7151%

Return on Equity (ROE) 10.2500%

Non-Performing Loans (NPL) 0.07%

Total Assets $1,009,818,000

Total Deposits $926,853,000

Equity Capital $72,493,000

Net Income $3,632,000

Headquarters Port Washington

Total Branches and Offices 8

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Port Washington State Bank earned the Verified Healthy badge

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Frequently Asked Questions About Port Washington State Bank

How many branches does Port Washington State Bank operate?

Port Washington State Bank currently maintains approximately 8 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Port Washington State Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Port Washington State Bank provides members with tools to manage their accounts and build a solid financial history.

Does Port Washington State Bank offer online and mobile banking?

Most modern institutions like Port Washington State Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.pwsb.bank.