BlastPoint's Banking Scorecard

Bank of Milton

$100M-$1B Specialty: Commercial WI FDIC cert 11232

Milton, WI

2 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 +6.5% year over year ($193.7M on the books).
Delinquency rate 2.37%.
Return on assets 1.55%.
Efficiency ratio 50.20% vs a 64.48% peer average.
Loan-to-deposit ratio 87.46% 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) →

Bank of Milton has 3 strengths but faces 3 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 0.22% above tier average
+ Net Interest Margin 0.14% above tier average
+ Efficiency Ratio 14.28% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 31.2% in tier
- Delinquency Rate 1.46% above tier average
- Nonperforming Asset Ratio 1.15% above tier average

Get updates when Bank of Milton releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$221.4M +5.1% YoY -0.4% QoQ	-$165.2M	$386.6M +1.2% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	31%
Total Loans ?	$169.4M +6.0% YoY +3.0% QoQ	-$88.9M	$258.3M +1.7% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	40%
Total Deposits ?	$193.7M +6.5% YoY +0.3% QoQ	-$133.0M	$326.7M +0.7% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	33%
Return on Assets ?	1.55% -5.0% YoY +5.2% QoQ	+0.22%	1.32% +10.8% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	68%
Net Interest Margin ?	4.13% -1.6% YoY -0.2% QoQ	+0.14%	3.99% +5.0% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	61%
Efficiency Ratio ?	50.20% +2.5% YoY -4.6% QoQ	-14.28%	64.48% -3.2% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	83%
Delinquency Rate ?	2.37% -3.1% QoQ	+1.46%	0.92% +15.7% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	Bottom 9.6% in tier
Loan-to-Deposit Ratio ?	87.46% -0.5% YoY +2.6% QoQ	+9.50%	77.95% +1.0% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	32%
Non-Interest-Bearing Deposit Share ?	18.66% +5.0% YoY +11.4% QoQ	-3.37%	22.03% -0.6% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	39%
Nonperforming Asset Ratio ?	1.82% +984.1% YoY +0.2% QoQ	+1.15%	0.67% +16.4% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	Bottom 8.9% in tier
Tier 1 Capital Ratio ?	9.51% -0.2% YoY +5.9% QoQ	-6.40%	15.91% +1.4% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	Bottom 4.9% in tier
Non-Interest Income / Assets ?	0.17% -12.6% YoY +108.0% QoQ	-0.40%	0.57% +7.6% YoY	2.21% +12.7% YoY	0.66% +5.2% YoY	40%

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	18.7% +0.9pp YoY +1.9pp QoQ	-3.5pp	22.1%	18.9%	22.2%	38%
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	9.2% 0.0pp YoY +0.9pp QoQ	-2.4pp	11.6%	10.5%	12.5%	47%
CRE	55.4% -1.5pp YoY +1.1pp QoQ	+15.9pp	39.5%	46.4%	41.4%	79%
1-4 Family	29.2% +3.4pp YoY -1.8pp QoQ	-3.4pp	32.6%	32.3%	31.3%	49%
Consumer	1.5% +0.2pp YoY 0.0pp QoQ	-2.6pp	4.1%	2.6%	5.0%	40%

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	9.5% 0.0pp YoY +0.5pp QoQ	-2.7pp	12.2%	12.6%	12.6%	22%
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	26 +3 (+13.0%) YoY 0 QoQ	-33	58	134	482	21%
Assets per Employee ($)	$8.5M -7.0% YoY -0.4% QoQ	+$998K	$7.5M	$8.2M	$8.8M	74%
Branch Count	2 0 YoY 0 QoQ	-3	4	9	18	11%

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	2.4% +2.3pp YoY -0.1pp QoQ	+1.4pp	0.9%	0.9%	1.0%	91%
Allowance Coverage	0.70x -98.2% YoY +2.9% QoQ	-23.45x	24.15x	56.89x	20.23x	17%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.0%	0.2%	26%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
ROE	19.4% -1.8pp YoY +0.6pp QoQ	+7.2pp	12.2%	11.8%	11.6%	86%
Cost of Funds (YTD)	1.8% +0.1pp YoY 0.0pp QoQ	+0.1pp	1.7%	1.8%	1.7%	60%
Net Income ($, YTD)	$1.7M +3.0% YoY — QoQ	-$810K	$2.6M	$7.9M	$40.4M	47%

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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 (1)

Capital Thin

risk

#207 of 661 • Bottom 31.2% 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: 9.51%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | 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)

456

Efficiency Ratio

profitability

Value: 50.20%

Peer Median: 64.48%

#456 of 2643 Top 17.2% in $100M-$1B

Top Weaknesses (3 metrics)

2515

Tier 1 Capital Ratio

capital

Value: 9.51%

Peer Median: 15.91%

#2515 of 2643 Bottom 4.9% in $100M-$1B

2410

Nonperforming Asset Ratio

credit_quality

Value: 1.82%

Peer Median: 0.67%

#2410 of 2643 Bottom 8.9% in $100M-$1B

2381

Delinquency Rate

credit_quality

Value: 2.37%

Peer Median: 0.92%

#2381 of 2633 Bottom 9.6% in $100M-$1B