BlastPoint's Banking Scorecard
Oostburg State Bank
Oostburg, WI
4 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 +13.0% year over year ($388.4M on the books).
- Delinquency rate 0.13%.
- Return on assets 1.39%.
- Efficiency ratio 59.80% vs a 64.48% peer average.
- Loan-to-deposit ratio 81.62% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Oostburg State Bank shows strong momentum with 3 strengths and 12.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.06% above tier average
- + Efficiency Ratio 4.68% below tier average
- + Delinquency Rate 0.78% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$440.2M
+12.7% YoY
+2.4% QoQ
|
+$53.6M |
$386.6M
+1.2% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
66% |
| Total Loans ? |
$317.0M
+12.4% YoY
+1.8% QoQ
|
+$58.6M |
$258.3M
+1.7% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
70% |
| Total Deposits ? |
$388.4M
+13.0% YoY
+2.0% QoQ
|
+$61.6M |
$326.7M
+0.7% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
68% |
| Return on Assets ? |
1.39%
+26.1% YoY
+14.8% QoQ
|
+0.06% |
1.32%
+10.8% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
58% |
| Net Interest Margin ? |
4.03%
+13.2% YoY
+2.9% QoQ
|
+0.05% |
3.99%
+5.0% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
55% |
| Efficiency Ratio ? |
59.80%
-9.7% YoY
-4.6% QoQ
|
-4.68% |
64.48%
-3.2% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
58% |
| Delinquency Rate ? |
0.13%
-67.8% YoY
-52.4% QoQ
|
-0.78% |
0.92%
+15.7% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
81.62%
-0.5% YoY
-0.2% QoQ
|
+3.66% |
77.95%
+1.0% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
25.04%
+6.5% YoY
+7.6% QoQ
|
+3.01% |
22.03%
-0.6% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.10%
-67.9% YoY
-52.7% QoQ
|
-0.57% |
0.67%
+16.4% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
72% |
| Tier 1 Capital Ratio ? |
13.17%
-3.7% YoY
+0.6% QoQ
|
-2.73% |
15.91%
+1.4% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.21%
+10.0% YoY
+116.3% QoQ
|
-0.36% |
0.57%
+7.6% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
52% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
25.0%
+1.5pp YoY +1.8pp QoQ |
+2.9pp | 22.1% | 18.9% | 22.2% | 66% |
| Brokered Deposits |
0.0%
0.0pp YoY 0.0pp QoQ |
-7.9pp | 7.9% | 9.2% | 8.5% | 4% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
16.1%
+0.2pp YoY -0.8pp QoQ |
+4.5pp | 11.6% | 10.5% | 12.5% | 79% |
| CRE |
48.5%
-2.2pp YoY 0.0pp QoQ |
+8.9pp | 39.5% | 46.4% | 41.4% | 68% |
| 1-4 Family |
31.0%
+1.2pp YoY +0.7pp QoQ |
-1.6pp | 32.6% | 32.3% | 31.3% | 54% |
| Consumer |
0.8%
-0.1pp YoY -0.1pp QoQ |
-3.3pp | 4.1% | 2.6% | 5.0% | 24% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.2%
-0.5pp YoY +0.1pp QoQ |
-5.7pp | 18.8% | 15.5% | 19.7% | 30% |
| Leverage Ratio |
11.6%
-0.2pp YoY +0.3pp QoQ |
-0.5pp | 12.2% | 12.6% | 12.6% | 60% |
| Total Capital Ratio |
14.4%
-0.5pp YoY 0.0pp QoQ |
-5.6pp | 19.9% | 16.6% | 20.8% | 31% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
57
0 YoY -3 (-5.0%) QoQ |
-2 | 58 | 134 | 482 | 60% |
| Assets per Employee ($) |
$7.7M
+12.7% YoY +7.8% QoQ |
+$204K | $7.5M | $8.2M | $8.8M | 64% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 9 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.1%
-0.1pp YoY -0.1pp QoQ |
-0.8pp | 0.9% | 0.9% | 1.0% | 23% |
| Allowance Coverage |
9.26x
+162.3% YoY +96.6% QoQ |
-14.90x | 24.15x | 56.89x | 20.23x | 80% |
| Net Charge-off Rate (YTD) | 0.1% | 0.0pp | 0.1% | 0.0% | 0.2% | 79% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.1%
+2.5pp YoY +1.5pp QoQ |
+0.9pp | 12.2% | 11.8% | 11.6% | 57% |
| Cost of Funds (YTD) |
1.7%
-0.3pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.8% | 1.7% | 47% |
| Net Income ($, YTD) |
$3.0M
+39.9% YoY — QoQ |
+$455K | $2.6M | $7.9M | $40.4M | 70% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.