BlastPoint's Banking Scorecard

Bonduel State Bank

$100M-$1B Specialty: Commercial WI FDIC cert 11235

Bonduel, 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 +8.2% year over year ($113.1M on the books).
Delinquency rate 0.01%.
Return on assets 1.37%.
Efficiency ratio 52.70% vs a 64.48% peer average.
Loan-to-deposit ratio 78.53% 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) →

Bonduel State Bank has 2 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

+ Efficiency Ratio 11.78% below tier average
+ Delinquency Rate 0.91% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 32.6% in tier
- Net Interest Margin 0.47% below tier average

Get updates when Bonduel State 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 ?	$132.1M +8.7% YoY +1.1% QoQ	-$254.5M	$386.6M +1.2% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	Bottom 8.7% in tier
Total Loans ?	$88.8M +6.2% YoY +3.6% QoQ	-$169.5M	$258.3M +1.7% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	Bottom 14.3% in tier
Total Deposits ?	$113.1M +8.2% YoY +0.7% QoQ	-$213.7M	$326.7M +0.7% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	Bottom 9.6% in tier
Return on Assets ?	1.37% +10.2% YoY -1.7% QoQ	+0.05%	1.32% +10.8% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	57%
Net Interest Margin ?	3.51% +9.8% YoY +2.2% QoQ	-0.47%	3.99% +5.0% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	28%
Efficiency Ratio ?	52.70% +0.8% YoY +1.5% QoQ	-11.78%	64.48% -3.2% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	78%
Delinquency Rate ?	0.01% -99.1% YoY -97.4% QoQ	-0.91%	0.92% +15.7% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	Top 13.7% in tier
Loan-to-Deposit Ratio ?	78.53% -1.8% YoY +2.8% QoQ	+0.58%	77.95% +1.0% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	52%
Non-Interest-Bearing Deposit Share ?	22.02% -2.5% YoY -6.9% QoQ	-0.01%	22.03% -0.6% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	55%
Nonperforming Asset Ratio ?	0.01% -99.1% YoY -97.3% QoQ	-0.66%	0.67% +16.4% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	Top 12.5% in tier
Tier 1 Capital Ratio ?	21.54% +3.5% YoY +0.6% QoQ	+5.64%	15.91% +1.4% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	Top 11.2% in tier
Non-Interest Income / Assets ?	0.17% +18.2% YoY +104.4% 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	22.0% -0.6pp YoY -1.6pp QoQ	-0.1pp	22.1%	18.9%	22.2%	54%
Brokered Deposits	14.9% +1.0pp YoY +1.0pp QoQ	+7.1pp	7.9%	9.2%	8.5%	85%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
C&I	17.0% -2.6pp YoY -0.5pp QoQ	+5.5pp	11.6%	10.5%	12.5%	82%
CRE	28.4% -0.2pp YoY -0.1pp QoQ	-11.1pp	39.5%	46.4%	41.4%	32%
1-4 Family	40.3% +4.3pp YoY +0.1pp QoQ	+7.7pp	32.6%	32.3%	31.3%	71%
Consumer	3.4% -0.2pp YoY -0.2pp QoQ	-0.8pp	4.1%	2.6%	5.0%	64%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
CET1 Ratio	21.5% +0.7pp YoY +0.1pp QoQ	+2.7pp	18.8%	15.5%	19.7%	82%
Leverage Ratio	14.0% +0.1pp YoY +0.3pp QoQ	+1.9pp	12.2%	12.6%	12.6%	82%
Total Capital Ratio	22.5% +0.9pp YoY +0.2pp QoQ	+2.5pp	19.9%	16.6%	20.8%	81%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Full-Time Employees	14 +2 (+16.7%) YoY +1 (+7.7%) QoQ	-45	58	134	482	3%
Assets per Employee ($)	$9.4M -6.8% YoY -6.2% QoQ	+$1.9M	$7.5M	$8.2M	$8.8M	83%
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	0.0% -0.9pp YoY -0.3pp QoQ	-0.9pp	0.9%	0.9%	1.0%	2%
Allowance Coverage	108.43x +12566.7% YoY +3663.3% QoQ	+84.28x	24.15x	56.89x	20.23x	97%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.0%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
ROE	10.4% +0.7pp YoY -0.2pp QoQ	-1.8pp	12.2%	11.8%	11.6%	39%
Cost of Funds (YTD)	2.1% -0.1pp YoY 0.0pp QoQ	+0.3pp	1.7%	1.8%	1.7%	74%
Net Income ($, YTD)	$893,000 +19.2% YoY — QoQ	-$1.7M	$2.6M	$7.9M	$40.4M	24%

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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)

Liquidity Overhang

risk

#243 of 742 • Bottom 32.6% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 21.54%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 78.53%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 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 (4 metrics)

296

Tier 1 Capital Ratio

capital

Value: 21.54%

Peer Median: 15.91%

#296 of 2643 Top 11.2% in $100M-$1B

332

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.67%

#332 of 2643 Top 12.5% in $100M-$1B

362

Delinquency Rate

credit_quality

Value: 0.01%

Peer Median: 0.92%

#362 of 2633 Top 13.7% in $100M-$1B

592

Efficiency Ratio

profitability

Value: 52.70%

Peer Median: 64.48%

#592 of 2643 Top 22.4% in $100M-$1B

Top Weaknesses (3 metrics)

2415

Total Assets

size

Value: $132.06M

Peer Median: $386.57M

#2415 of 2643 Bottom 8.7% in $100M-$1B

2391

Total Deposits

size

Value: $113.08M

Peer Median: $326.73M

#2391 of 2643 Bottom 9.6% in $100M-$1B

2266

Total Loans

size

Value: $88.80M

Peer Median: $258.35M

#2266 of 2643 Bottom 14.3% in $100M-$1B