BlastPoint's Banking Scorecard

First Community Bank

$100M-$1B Specialty: Commercial WI FDIC cert 11225

Milton, 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 +2.2% year over year ($141.8M on the books).
Delinquency rate 0.34%.
Return on assets 1.81%.
Efficiency ratio 58.04% vs a 64.48% peer average.
Loan-to-deposit ratio 86.46% 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) →

First Community Bank has 3 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

+ ROA 0.49% above tier average
+ Efficiency Ratio 6.44% below tier average
+ Delinquency Rate 0.58% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 32.1% in tier
- Credit Quality Pressure: Bottom 39.0% in tier

Get updates when First Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$158.9M +2.9% YoY -2.3% QoQ	-$227.6M	$386.6M +1.2% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	17%
Total Loans ?	$122.6M +12.7% YoY +0.3% QoQ	-$135.8M	$258.3M +1.7% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	26%
Total Deposits ?	$141.8M +2.2% YoY -3.0% QoQ	-$185.0M	$326.7M +0.7% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	19%
Return on Assets ?	1.81% +11.6% YoY -2.4% QoQ	+0.49%	1.32% +10.8% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	81%
Net Interest Margin ?	3.94% +14.1% YoY +1.6% QoQ	-0.05%	3.99% +5.0% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	50%
Efficiency Ratio ?	58.04% -1.2% YoY +2.5% QoQ	-6.44%	64.48% -3.2% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	63%
Delinquency Rate ?	0.34% +421.2% YoY -12.7% QoQ	-0.58%	0.92% +15.7% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	55%
Loan-to-Deposit Ratio ?	86.46% +10.3% YoY +3.4% QoQ	+8.51%	77.95% +1.0% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	34%
Non-Interest-Bearing Deposit Share ?	14.35% +4.5% YoY +5.0% QoQ	-7.68%	22.03% -0.6% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	22%
Nonperforming Asset Ratio ?	0.26% +470.9% YoY -10.3% QoQ	-0.41%	0.67% +16.4% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	54%
Tier 1 Capital Ratio ?	10.38% +0.9% YoY +1.6% QoQ	-5.53%	15.91% +1.4% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	15%
Non-Interest Income / Assets ?	0.32% -2.8% YoY +113.3% QoQ	-0.25%	0.57% +7.6% YoY	2.21% +12.7% YoY	0.66% +5.2% YoY	75%

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	14.4% +0.6pp YoY +0.7pp QoQ	-7.8pp	22.1%	18.9%	22.2%	21%
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	3.9% -0.5pp YoY -0.4pp QoQ	-7.7pp	11.6%	10.5%	12.5%	14%
CRE	35.7% +2.2pp YoY -0.8pp QoQ	-3.8pp	39.5%	46.4%	41.4%	44%
1-4 Family	41.4% -0.1pp YoY +0.2pp QoQ	+8.7pp	32.6%	32.3%	31.3%	72%
Consumer	1.0% -0.5pp YoY -0.1pp QoQ	-3.2pp	4.1%	2.6%	5.0%	27%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	15.5%	19.7%	n/a
Leverage Ratio	10.4% +0.1pp YoY +0.2pp QoQ	-1.8pp	12.2%	12.6%	12.6%	39%
Total Capital Ratio	n/a	n/a	19.9%	16.6%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Full-Time Employees	24 +1 (+4.3%) YoY 0 QoQ	-35	58	134	482	17%
Assets per Employee ($)	$6.6M -1.4% YoY -2.3% QoQ	-$896K	$7.5M	$8.2M	$8.8M	45%
Branch Count	1 0 YoY 0 QoQ	-4	4	9	18	0%

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	0.3% +0.3pp YoY 0.0pp QoQ	-0.6pp	0.9%	0.9%	1.0%	42%
Allowance Coverage	3.31x -82.0% YoY +16.3% QoQ	-20.85x	24.15x	56.89x	20.23x	61%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.0%	0.2%	21%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
ROE	19.5% 0.0pp YoY -0.7pp QoQ	+7.3pp	12.2%	11.8%	11.6%	87%
Cost of Funds (YTD)	1.7% -0.1pp YoY 0.0pp QoQ	-0.1pp	1.7%	1.8%	1.7%	48%
Net Income ($, YTD)	$1.5M +16.1% YoY — QoQ	-$1.1M	$2.6M	$7.9M	$40.4M	40%

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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 (2)

Capital Thin

risk

#213 of 661 • Bottom 32.1% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.38%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Credit Quality Pressure

risk

#491 of 1256 • Bottom 39.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.34%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

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 (1 metrics)

514

Return on Assets

profitability

Value: 1.81%

Peer Median: 1.32%

#514 of 2643 Top 19.4% in $100M-$1B

Top Weaknesses (4 metrics)

2242

Tier 1 Capital Ratio

capital

Value: 10.38%

Peer Median: 15.91%

#2242 of 2643 Bottom 15.2% in $100M-$1B

2204

Total Assets

size

Value: $158.94M

Peer Median: $386.57M

#2204 of 2643 Bottom 16.6% in $100M-$1B

2149

Total Deposits

size

Value: $141.77M

Peer Median: $326.73M

#2149 of 2643 Bottom 18.7% in $100M-$1B

2069

Non-Interest-Bearing Deposit Share

funding

Value: 14.35%

Peer Median: 22.03%

#2069 of 2643 Bottom 21.8% in $100M-$1B