BlastPoint's Banking Scorecard
BLC Community Bank
Little Chute, WI
BLC Community Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 46.7% in tier
- + Efficiency Ratio 17.93% below tier average
- + Delinquency Rate 0.52% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 16.3% in tier
- - Loan-to-Deposit Ratio 23.69% above tier average
- - Net Interest Margin 0.79% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$475.4M
+11.7% YoY
+1.0% QoQ
|
+$89.3M |
$386.1M
+0.5% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
70% |
| Total Loans ? |
$388.5M
+14.4% YoY
+2.3% QoQ
|
+$132.8M |
$255.7M
+1.1% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
79% |
| Total Deposits ? |
$387.2M
+8.4% YoY
+0.3% QoQ
|
+$59.2M |
$328.0M
+0.1% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
68% |
| Return on Assets ? |
1.65%
+42.3% YoY
+33.5% QoQ
|
+0.38% |
1.27%
+12.9% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
75% |
| Net Interest Margin ? |
3.14%
+17.5% YoY
+10.1% QoQ
|
-0.79% |
3.93%
+6.0% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
16% |
| Efficiency Ratio ? |
47.35%
-16.3% YoY
-11.4% QoQ
|
-17.93% |
65.29%
-4.5% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
Top 11.9% in tier |
| Delinquency Rate ? |
0.36%
+3.2% YoY
+3.5% QoQ
|
-0.52% |
0.89%
+18.8% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
100.33%
+5.5% YoY
+2.0% QoQ
|
+23.69% |
76.64%
+0.8% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 8.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.65%
-0.4% YoY
-9.6% QoQ
|
-5.37% |
22.02%
-1.0% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
30% |
| Nonperforming Asset Ratio ? |
0.31%
+11.2% YoY
+10.3% QoQ
|
-0.33% |
0.64%
+19.7% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
49% |
| Tier 1 Capital Ratio ? |
11.80%
-7.0% YoY
+2.2% QoQ
|
-4.04% |
15.83%
+1.5% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
33% |
| Non-Interest Income / Assets ? |
0.05%
-0.8% YoY
-72.9% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
22% |
Get Full Access to BLC Community Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.