BlastPoint's Banking Scorecard
Independence State Bank
Designations: ✓ Community bank
Independence, WI
3 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 536 banks in the under $100M peer group nationwide — 1 of 12 in WI.
- Deposits +0.8% year over year ($72.2M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.20%.
- Efficiency ratio 69.21% vs a 119.40% peer average.
- Loan-to-deposit ratio 89.73% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Independence State Bank demonstrates 5 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + ROA 0.20% above tier average
- + Net Interest Margin 0.78% above tier average
- + Efficiency Ratio 50.19% 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 ? |
$84.2M
+1.9% YoY
-2.0% QoQ
|
+$21.8M |
$62.4M
-0.0% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
77% |
| Total Loans ? |
$64.8M
+10.5% YoY
-2.0% QoQ
|
+$29.9M |
$34.9M
-0.6% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
Top 9.3% in tier |
| Total Deposits ? |
$72.2M
+0.8% YoY
-1.8% QoQ
|
+$20.6M |
$51.6M
-0.2% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
78% |
| Return on Assets ? |
1.20%
+10.8% YoY
+7.2% QoQ
|
+0.20% |
1.00%
+3.5% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
62% |
| Net Interest Margin ? |
4.69%
+5.2% YoY
+1.0% QoQ
|
+0.78% |
3.91%
+2.3% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
80% |
| Efficiency Ratio ? |
69.21%
-0.4% YoY
-1.2% QoQ
|
-50.19% |
119.40%
+49.6% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
55% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-1.48% |
1.48%
+31.8% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
89.73%
+9.6% YoY
-0.2% QoQ
|
+15.52% |
74.21%
+12.6% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
20.87%
+4.7% YoY
+1.9% QoQ
|
-2.62% |
23.49%
+0.6% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
43% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.84% |
0.84%
+23.0% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
12.43%
+2.3% YoY
+1.9% QoQ
|
-14.70% |
27.13%
+3.0% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
27% |
| Non-Interest Income / Assets ? |
0.12%
+41.5% YoY
+132.4% QoQ
|
-1.26% |
1.38%
+6.3% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
47% |
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 |
20.9%
+0.9pp YoY +0.4pp QoQ |
-3.8pp | 24.6% | 18.9% | 22.2% | 40% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
11.7%
-1.5pp YoY 0.0pp QoQ |
-1.7pp | 13.4% | 10.5% | 12.5% | 58% |
| CRE | n/a | n/a | 25.2% | 46.4% | 41.4% | n/a |
| 1-4 Family |
14.5%
-0.6pp YoY -0.4pp QoQ |
-20.5pp | 35.0% | 32.3% | 31.3% | 28% |
| Consumer |
1.0%
-0.1pp YoY 0.0pp QoQ |
-6.7pp | 7.7% | 2.6% | 5.0% | 12% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.4%
+0.3pp YoY +0.2pp QoQ |
-26.3pp | 38.7% | 15.5% | 19.7% | 8% |
| Leverage Ratio |
10.4%
+0.7pp YoY +0.6pp QoQ |
-7.3pp | 17.7% | 12.6% | 12.6% | 22% |
| Total Capital Ratio |
13.4%
+0.2pp YoY +0.2pp QoQ |
-26.2pp | 39.7% | 16.6% | 20.8% | 8% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
17
0 YoY +1 (+6.2%) QoQ |
+5 | 12 | 134 | 482 | 81% |
| Assets per Employee ($) |
$5.0M
+1.9% YoY -7.7% QoQ |
-$1.2M | $6.2M | $8.2M | $8.8M | 34% |
| Branch Count |
3
0 YoY 0 QoQ |
+1 | 1 | 9 | 18 | 89% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 0.9% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 56.89x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY |
-0.2pp | 0.2% | 0.0% | 0.2% | 36% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.1%
+0.3pp YoY +0.6pp QoQ |
+5.7pp | 6.4% | 11.8% | 11.6% | 73% |
| Cost of Funds (YTD) |
1.4%
0.0pp YoY 0.0pp QoQ |
0.0pp | 1.4% | 1.8% | 1.7% | 51% |
| Net Income ($, YTD) |
$515,000
+14.7% YoY — QoQ |
+$197K | $317,817 | $7.9M | $40.4M | 76% |
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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.