BlastPoint's Banking Scorecard

Woodford State Bank

$100M-$1B Specialty: Commercial WI FDIC cert 10011

Monroe, WI

6 branches across WI

2664 banks in the $100M-$1B peer group nationally 113 in WI

Woodford State Bank shows strong momentum with 3 strengths and 8.4% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.28% above tier average
+ Efficiency Ratio 7.35% below tier average
+ Delinquency Rate 0.72% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$509.6M +8.4% YoY +0.1% QoQ	+$123.6M	$386.1M +0.5% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	73%
Total Loans ?	$377.2M +14.0% YoY -0.8% QoQ	+$121.5M	$255.7M +1.1% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	77%
Total Deposits ?	$393.8M +7.3% YoY +0.9% QoQ	+$65.8M	$328.0M +0.1% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	69%
Return on Assets ?	1.55% +22.6% YoY +10.0% QoQ	+0.28%	1.27% +12.9% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	70%
Net Interest Margin ?	3.89% +9.9% YoY +3.2% QoQ	-0.04%	3.93% +6.0% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	51%
Efficiency Ratio ?	57.93% -7.8% YoY -3.3% QoQ	-7.35%	65.29% -4.5% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	66%
Delinquency Rate ?	0.17% -48.0% YoY +9.7% QoQ	-0.72%	0.89% +18.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	67%
Loan-to-Deposit Ratio ?	95.79% +6.2% YoY -1.6% QoQ	+19.15%	76.64% +0.8% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	Bottom 14.5% in tier
Non-Interest-Bearing Deposit Share ?	14.27% +2.7% YoY -2.1% QoQ	-7.75%	22.02% -1.0% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	21%
Nonperforming Asset Ratio ?	0.12% -45.3% YoY +8.7% QoQ	-0.51%	0.64% +19.7% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	67%
Tier 1 Capital Ratio ?	10.70% +11.3% YoY -0.4% QoQ	-5.13%	15.83% +1.5% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	19%
Non-Interest Income / Assets ?	0.09% +0.5% YoY -75.3% QoQ	-0.19%	0.28% +9.3% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	43%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

606

Total Loans

size

Value: $377.17M

Peer Median: $255.72M

#606 of 2664 Top 22.7% in $100M-$1B

Top Weaknesses (3 metrics)

2280

Loan-to-Deposit Ratio

liquidity

Value: 95.79%

Peer Median: 76.64%

#2280 of 2664 Bottom 14.5% in $100M-$1B

2156

Tier 1 Capital Ratio

capital

Value: 10.70%

Peer Median: 15.83%

#2156 of 2664 Bottom 19.1% in $100M-$1B

2093

Non-Interest-Bearing Deposit Share

funding

Value: 14.27%

Peer Median: 22.02%

#2093 of 2664 Bottom 21.5% in $100M-$1B