BlastPoint's Banking Scorecard
State Bank Financial
La Crosse, WI
5 branches across WI
State Bank Financial has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.77% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 19.29% below tier average
- - ROA 0.19% below tier average
- - Net Interest Margin 0.79% below tier average
- - Efficiency Ratio 2.21% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$537.1M
+4.7% YoY
+3.3% QoQ
|
+$151.0M |
$386.1M
+0.5% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
75% |
| Total Loans ? |
$326.3M
+7.1% YoY
+0.1% QoQ
|
+$70.6M |
$255.7M
+1.1% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
71% |
| Total Deposits ? |
$451.8M
+5.0% YoY
+11.1% QoQ
|
+$123.9M |
$328.0M
+0.1% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
75% |
| Return on Assets ? |
1.08%
+29.9% YoY
-10.7% QoQ
|
-0.19% |
1.27%
+12.9% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
43% |
| Net Interest Margin ? |
3.14%
+12.0% YoY
+3.6% QoQ
|
-0.79% |
3.93%
+6.0% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
16% |
| Efficiency Ratio ? |
67.49%
-3.0% YoY
+6.2% QoQ
|
+2.21% |
65.29%
-4.5% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
38% |
| Delinquency Rate ? |
0.11%
-63.5% YoY
-1.7% QoQ
|
-0.77% |
0.89%
+18.8% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
72.23%
+2.0% YoY
-9.9% QoQ
|
-4.41% |
76.64%
+0.8% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
2.73%
-15.4% YoY
+25.2% QoQ
|
-19.29% |
22.02%
-1.0% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
Bottom 2.0% in tier |
| Nonperforming Asset Ratio ? |
0.07%
-62.7% YoY
-4.8% QoQ
|
-0.57% |
0.64%
+19.7% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
75% |
| Tier 1 Capital Ratio ? |
14.19%
+4.4% YoY
+2.8% QoQ
|
-1.64% |
15.83%
+1.5% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.10%
+3.7% YoY
-75.8% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
54% |
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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.