BlastPoint's Banking Scorecard

The Bank of New Glarus

$100M-$1B Specialty: Commercial WI FDIC cert 10378

New Glarus, 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 +7.5% year over year ($647.4M on the books).
Delinquency rate 2.02%.
Return on assets 1.64%.
Efficiency ratio 54.73% vs a 64.48% peer average.
Loan-to-deposit ratio 95.49% 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) →

The Bank of New Glarus has 4 strengths but faces 2 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

+ Revenue Diversifier: Top 23.8% in tier
+ ROA 0.31% above tier average
+ Net Interest Margin 0.20% above tier average
+ Efficiency Ratio 9.75% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 40.2% in tier
- Delinquency Rate 1.10% above tier average

Get updates when The Bank of New Glarus releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$823.2M +6.0% YoY -0.1% QoQ	+$436.6M	$386.6M +1.2% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	Top 6.9% in tier
Total Loans ?	$618.2M +6.1% YoY +2.5% QoQ	+$359.9M	$258.3M +1.7% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	Top 5.3% in tier
Total Deposits ?	$647.4M +7.5% YoY +0.5% QoQ	+$320.7M	$326.7M +0.7% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	Top 9.6% in tier
Return on Assets ?	1.64% +18.7% YoY -4.8% QoQ	+0.31%	1.32% +10.8% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	73%
Net Interest Margin ?	4.19% +4.9% YoY +2.2% QoQ	+0.20%	3.99% +5.0% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	65%
Efficiency Ratio ?	54.73% -7.0% YoY +3.3% QoQ	-9.75%	64.48% -3.2% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	72%
Delinquency Rate ?	2.02% +143.7% YoY -2.8% QoQ	+1.10%	0.92% +15.7% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	Bottom 12.7% in tier
Loan-to-Deposit Ratio ?	95.49% -1.3% YoY +1.9% QoQ	+17.53%	77.95% +1.0% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	16%
Non-Interest-Bearing Deposit Share ?	20.81% -0.8% YoY +2.6% QoQ	-1.22%	22.03% -0.6% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	49%
Nonperforming Asset Ratio ?	1.52% +143.9% YoY -0.3% QoQ	+0.85%	0.67% +16.4% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	Bottom 11.8% in tier
Tier 1 Capital Ratio ?	11.08% +5.4% YoY +3.0% QoQ	-4.83%	15.91% +1.4% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	24%
Non-Interest Income / Assets ?	0.62% +78.4% YoY +74.5% QoQ	+0.06%	0.57% +7.6% YoY	2.21% +12.7% YoY	0.66% +5.2% YoY	Top 6.4% 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	20.8% -0.2pp YoY +0.5pp QoQ	-1.3pp	22.1%	18.9%	22.2%	49%
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	10.7% -1.5pp YoY -0.7pp QoQ	-0.9pp	11.6%	10.5%	12.5%	56%
CRE	38.6% +4.3pp YoY +0.7pp QoQ	-0.9pp	39.5%	46.4%	41.4%	50%
1-4 Family	28.1% +0.9pp YoY +0.2pp QoQ	-4.6pp	32.6%	32.3%	31.3%	47%
Consumer	1.7% -0.4pp YoY 0.0pp QoQ	-2.4pp	4.1%	2.6%	5.0%	43%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
CET1 Ratio	11.1% +0.6pp YoY +0.3pp QoQ	-7.7pp	18.8%	15.5%	19.7%	9%
Leverage Ratio	9.5% +0.8pp YoY +0.3pp QoQ	-2.6pp	12.2%	12.6%	12.6%	22%
Total Capital Ratio	12.3% +0.7pp YoY +0.4pp QoQ	-7.6pp	19.9%	16.6%	20.8%	10%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Full-Time Employees	111 +7 (+6.7%) YoY +4 (+3.7%) QoQ	+52	58	134	482	90%
Assets per Employee ($)	$7.4M -0.7% YoY -3.7% QoQ	-$102K	$7.5M	$8.2M	$8.8M	59%
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	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	2.0% +1.2pp YoY -0.1pp QoQ	+1.1pp	0.9%	0.9%	1.0%	88%
Allowance Coverage	0.65x -50.5% YoY +4.7% QoQ	-23.50x	24.15x	56.89x	20.23x	16%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.0%	0.2%	44%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
ROE	16.6% +0.8pp YoY -1.1pp QoQ	+4.4pp	12.2%	11.8%	11.6%	76%
Cost of Funds (YTD)	2.1% -0.1pp YoY 0.0pp QoQ	+0.4pp	1.7%	1.8%	1.7%	77%
Net Income ($, YTD)	$6.7M +27.1% YoY — QoQ	+$4.2M	$2.6M	$7.9M	$40.4M	94%

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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 (1)

Revenue Diversifier

growth

#158 of 661 • Top 23.8% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.62%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 1.64%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (1)

Liquidity Strain

risk

#279 of 691 • Bottom 40.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 95.49%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

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 (4 metrics)

140

Total Loans

size

Value: $618.21M

Peer Median: $258.35M

#140 of 2643 Top 5.3% in $100M-$1B

171

Non-Interest Income / Assets

revenue_mix

Value: 0.62%

Peer Median: 0.57%

#171 of 2643 Top 6.4% in $100M-$1B

183

Total Assets

size

Value: $823.15M

Peer Median: $386.57M

#183 of 2643 Top 6.9% in $100M-$1B

255

Total Deposits

size

Value: $647.44M

Peer Median: $326.73M

#255 of 2643 Top 9.6% in $100M-$1B

Top Weaknesses (4 metrics)

2332

Nonperforming Asset Ratio

credit_quality

Value: 1.52%

Peer Median: 0.67%

#2332 of 2643 Bottom 11.8% in $100M-$1B

2299

Delinquency Rate

credit_quality

Value: 2.02%

Peer Median: 0.92%

#2299 of 2633 Bottom 12.7% in $100M-$1B

2233

Loan-to-Deposit Ratio

liquidity

Value: 95.49%

Peer Median: 77.95%

#2233 of 2643 Bottom 15.6% in $100M-$1B

2000

Tier 1 Capital Ratio

capital

Value: 11.08%

Peer Median: 15.91%

#2000 of 2643 Bottom 24.4% in $100M-$1B