BlastPoint's Banking Scorecard

Bank of Milton

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

Milton, WI

2 branches across WI

2664 banks in the $100M-$1B peer group nationally 113 in 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 0.20% above tier average
+ Net Interest Margin 0.20% above tier average
+ Efficiency Ratio 12.69% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 47.8% in tier
- Delinquency Rate 1.56% above tier average
- Nonperforming Asset Ratio 1.18% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$222.2M +7.6% YoY -4.7% QoQ	-$163.9M	$386.1M +0.5% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	31%
Total Loans ?	$164.5M +15.2% YoY -1.9% QoQ	-$91.2M	$255.7M +1.1% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	40%
Total Deposits ?	$193.1M +3.9% YoY -3.2% QoQ	-$134.9M	$328.0M +0.1% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	33%
Return on Assets ?	1.47% -2.8% YoY +0.1% QoQ	+0.20%	1.27% +12.9% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	66%
Net Interest Margin ?	4.13% +0.9% YoY -3.3% QoQ	+0.20%	3.93% +6.0% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	64%
Efficiency Ratio ?	52.60% +2.0% YoY +11.8% QoQ	-12.69%	65.29% -4.5% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	79%
Delinquency Rate ?	2.45% +1.9% QoQ	+1.56%	0.89% +18.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	Bottom 8.6% in tier
Loan-to-Deposit Ratio ?	85.22% +10.9% YoY +1.4% QoQ	+8.58%	76.64% +0.8% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	34%
Non-Interest-Bearing Deposit Share ?	16.75% -6.9% YoY -4.5% QoQ	-5.27%	22.02% -1.0% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	31%
Nonperforming Asset Ratio ?	1.81% +4.9% QoQ	+1.18%	0.64% +19.7% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	Bottom 8.3% in tier
Tier 1 Capital Ratio ?	8.98% +0.9% YoY +4.4% QoQ	-6.85%	15.83% +1.5% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	Bottom 0.7% in tier
Non-Interest Income / Assets ?	0.08% -2.1% YoY -73.9% QoQ	-0.20%	0.28% +9.3% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	39%

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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

#319 of 666 • Bottom 47.8% 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: 8.98%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

559

Efficiency Ratio

profitability

Value: 52.60%

Peer Median: 65.29%

#559 of 2664 Top 20.9% in $100M-$1B

Top Weaknesses (3 metrics)

2646

Tier 1 Capital Ratio

capital

Value: 8.98%

Peer Median: 15.83%

#2646 of 2664 Bottom 0.7% in $100M-$1B

2445

Nonperforming Asset Ratio

credit_quality

Value: 1.81%

Peer Median: 0.64%

#2445 of 2664 Bottom 8.3% in $100M-$1B

2426

Delinquency Rate

credit_quality

Value: 2.45%

Peer Median: 0.89%

#2426 of 2654 Bottom 8.6% in $100M-$1B