BlastPoint's Banking Scorecard

Clare Bank, National Association

$100M-$1B Specialty: Agricultural WI FDIC cert 1022

Platteville, WI

8 branches across WI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 110 in WI.
Deposits +2.5% year over year ($276.0M on the books).
Delinquency rate 0.86%.
Return on assets 1.03%.
Efficiency ratio 56.95% vs a 64.48% peer average.
Loan-to-deposit ratio 63.87% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 110 in WI

View $100M-$1B leaderboard (WI) →

Clare Bank, National Association has 2 strengths but faces 4 concerns

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

+ Efficiency Ratio 7.53% below tier average
+ Delinquency Rate 0.06% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 39.9% in tier
- Net Interest Margin 1.56% below tier average
- Non-Interest Income / Assets 0.52% below tier average
- ROA 0.29% below tier average

Get updates when Clare Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$332.5M +3.6% YoY -3.0% QoQ	-$54.1M	$386.6M +1.2% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	51%
Total Loans ?	$176.2M +10.7% YoY +2.4% QoQ	-$82.1M	$258.3M +1.7% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	42%
Total Deposits ?	$276.0M +2.5% YoY -3.8% QoQ	-$50.8M	$326.7M +0.7% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	50%
Return on Assets ?	1.03% +63.8% YoY +7.7% QoQ	-0.29%	1.32% +10.8% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	36%
Net Interest Margin ?	2.43% +23.1% YoY +3.6% QoQ	-1.56%	3.99% +5.0% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	Bottom 2.5% in tier
Efficiency Ratio ?	56.95% -17.2% YoY -1.8% QoQ	-7.53%	64.48% -3.2% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	67%
Delinquency Rate ?	0.86% +64.1% YoY +25.7% QoQ	-0.06%	0.92% +15.7% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	32%
Loan-to-Deposit Ratio ?	63.87% +8.0% YoY +6.4% QoQ	-14.08%	77.95% +1.0% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	78%
Non-Interest-Bearing Deposit Share ?	20.27% +3.9% YoY +6.0% QoQ	-1.76%	22.03% -0.6% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	46%
Nonperforming Asset Ratio ?	0.45% +75.4% YoY +32.7% QoQ	-0.21%	0.67% +16.4% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	41%
Tier 1 Capital Ratio ?	24.17% -8.1% YoY +114.1% QoQ	+8.27%	15.91% +1.4% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	Top 7.6% in tier
Non-Interest Income / Assets ?	0.05% -6.5% YoY +128.3% QoQ	-0.52%	0.57% +7.6% YoY	2.21% +12.7% YoY	0.66% +5.2% YoY	Bottom 5.1% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Noninterest-Bearing	20.3% +0.8pp YoY +1.1pp QoQ	-1.9pp	22.1%	18.9%	22.2%	46%
Brokered Deposits	n/a	n/a	7.9%	9.2%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
C&I	3.3% -0.3pp YoY +0.3pp QoQ	-8.3pp	11.6%	10.5%	12.5%	11%
CRE	16.9% +1.5pp YoY -0.1pp QoQ	-22.6pp	39.5%	46.4%	41.4%	13%
1-4 Family	37.9% -3.1pp YoY -0.8pp QoQ	+5.3pp	32.6%	32.3%	31.3%	67%
Consumer	1.1% -0.1pp YoY -0.1pp QoQ	-3.0pp	4.1%	2.6%	5.0%	32%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
CET1 Ratio	24.2% -2.1pp YoY	+5.3pp	18.8%	15.5%	19.7%	87%
Leverage Ratio	11.6% -0.1pp YoY +0.4pp QoQ	-0.5pp	12.2%	12.6%	12.6%	60%
Total Capital Ratio	24.7% -2.1pp YoY	+4.8pp	19.9%	16.6%	20.8%	86%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Full-Time Employees	40 +5 (+14.3%) YoY +1 (+2.6%) QoQ	-19	58	134	482	41%
Assets per Employee ($)	$8.3M -9.4% YoY -5.4% QoQ	+$793K	$7.5M	$8.2M	$8.8M	71%
Branch Count	8 0 YoY 0 QoQ	+3	4	9	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% -0.1pp YoY +0.1pp QoQ	-0.2pp	0.3%	0.4%	0.4%	45%
Nonaccrual	0.8% +0.4pp YoY +0.1pp QoQ	-0.2pp	0.9%	0.9%	1.0%	65%
Allowance Coverage	0.57x -37.3% YoY -18.3% QoQ	-23.58x	24.15x	56.89x	20.23x	13%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY	-0.2pp	0.1%	0.0%	0.2%	12%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
ROE	11.6% +3.4pp YoY +0.6pp QoQ	-0.6pp	12.2%	11.8%	11.6%	47%
Cost of Funds (YTD)	1.7% -0.1pp YoY 0.0pp QoQ	-0.1pp	1.7%	1.8%	1.7%	47%
Net Income ($, YTD)	$1.8M +73.0% YoY — QoQ	-$789K	$2.6M	$7.9M	$40.4M	47%

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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 (1)

Liquidity Overhang

risk

#297 of 742 • Bottom 39.9% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 24.17%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 63.87%

(Tier: 77.95%, National: 79.03%)

better than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

203

Tier 1 Capital Ratio

capital

Value: 24.17%

Peer Median: 15.91%

#203 of 2643 Top 7.6% in $100M-$1B

587

Loan-to-Deposit Ratio

liquidity

Value: 63.87%

Peer Median: 77.95%

#587 of 2643 Top 22.2% in $100M-$1B

Top Weaknesses (2 metrics)

2577

Net Interest Margin

profitability

Value: 2.43%

Peer Median: 3.99%

#2577 of 2643 Bottom 2.5% in $100M-$1B

2508

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.57%

#2508 of 2643 Bottom 5.1% in $100M-$1B