BlastPoint's Banking Scorecard

BLC Community Bank

$100M-$1B Specialty: Commercial WI FDIC cert 11608

Little Chute, 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 +7.3% year over year ($378.4M on the books).
Delinquency rate 0.02%.
Return on assets 1.70%.
Efficiency ratio 46.69% vs a 64.48% peer average.
Loan-to-deposit ratio 102.02% 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) →

BLC 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

+ Profitability Leader: Top 33.1% in tier
+ Efficiency Ratio 17.79% below tier average
+ Delinquency Rate 0.90% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 24.07% above tier average
- Net Interest Margin 0.73% below tier average

Get updates when BLC 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 ?	$475.5M +9.6% YoY +0.0% QoQ	+$88.9M	$386.6M +1.2% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	70%
Total Loans ?	$386.1M +9.9% YoY -0.6% QoQ	+$127.7M	$258.3M +1.7% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	78%
Total Deposits ?	$378.4M +7.3% YoY -2.3% QoQ	+$51.7M	$326.7M +0.7% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	67%
Return on Assets ?	1.70% +45.0% YoY +3.1% QoQ	+0.38%	1.32% +10.8% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	76%
Net Interest Margin ?	3.25% +20.1% YoY +3.5% QoQ	-0.73%	3.99% +5.0% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	18%
Efficiency Ratio ?	46.69% -17.4% YoY -1.4% QoQ	-17.79%	64.48% -3.2% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	Top 11.2% in tier
Delinquency Rate ?	0.02% -94.5% YoY -93.9% QoQ	-0.90%	0.92% +15.7% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	84%
Loan-to-Deposit Ratio ?	102.02% +2.4% YoY +1.7% QoQ	+24.07%	77.95% +1.0% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	Bottom 7.9% in tier
Non-Interest-Bearing Deposit Share ?	16.59% +0.5% YoY -0.4% QoQ	-5.44%	22.03% -0.6% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	31%
Nonperforming Asset Ratio ?	0.02% -94.5% YoY -94.3% QoQ	-0.65%	0.67% +16.4% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	84%
Tier 1 Capital Ratio ?	12.28% -1.8% YoY +4.1% QoQ	-3.63%	15.91% +1.4% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	39%
Non-Interest Income / Assets ?	0.10% +7.5% YoY +87.9% QoQ	-0.46%	0.57% +7.6% YoY	2.21% +12.7% YoY	0.66% +5.2% YoY	19%

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	16.6% +0.1pp YoY -0.1pp QoQ	-5.6pp	22.1%	18.9%	22.2%	30%
Brokered Deposits	11.7% -4.2pp YoY +0.5pp QoQ	+3.8pp	7.9%	9.2%	8.5%	79%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
C&I	15.1% +4.1pp YoY +0.2pp QoQ	+3.6pp	11.6%	10.5%	12.5%	76%
CRE	55.5% -3.5pp YoY +0.6pp QoQ	+15.9pp	39.5%	46.4%	41.4%	79%
1-4 Family	29.8% -0.4pp YoY -0.6pp QoQ	-2.8pp	32.6%	32.3%	31.3%	51%
Consumer	0.4% 0.0pp YoY -0.1pp QoQ	-3.7pp	4.1%	2.6%	5.0%	14%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
CET1 Ratio	12.3% -0.2pp YoY +0.5pp QoQ	-6.5pp	18.8%	15.5%	19.7%	20%
Leverage Ratio	10.2% 0.0pp YoY +0.3pp QoQ	-1.9pp	12.2%	12.6%	12.6%	36%
Total Capital Ratio	13.4% -0.2pp YoY +0.5pp QoQ	-6.6pp	19.9%	16.6%	20.8%	20%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Full-Time Employees	41 +8 (+24.2%) YoY +8 (+24.2%) QoQ	-18	58	134	482	42%
Assets per Employee ($)	$11.6M -11.8% YoY -19.5% QoQ	+$4.1M	$7.5M	$8.2M	$8.8M	92%
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	0.0%	-0.3pp	0.3%	0.4%	0.4%	27%
Nonaccrual	n/a	n/a	0.9%	0.9%	1.0%	n/a
Allowance Coverage	46.05x +1813.6% YoY +1591.0% QoQ	+21.89x	24.15x	56.89x	20.23x	94%
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	18.9% +5.4pp YoY +0.3pp QoQ	+6.7pp	12.2%	11.8%	11.6%	85%
Cost of Funds (YTD)	2.4% -0.2pp YoY 0.0pp QoQ	+0.7pp	1.7%	1.8%	1.7%	87%
Net Income ($, YTD)	$4.0M +61.5% YoY — QoQ	+$1.5M	$2.6M	$7.9M	$40.4M	81%

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

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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 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 (1)

Profitability Leader

growth

#220 of 661 • Top 33.1% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.70%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 (5 metrics)

298

Efficiency Ratio

profitability

Value: 46.69%

Peer Median: 64.48%

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

417

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.67%

#417 of 2643 Top 15.7% in $100M-$1B

432

Delinquency Rate

credit_quality

Value: 0.02%

Peer Median: 0.92%

#432 of 2633 Top 16.4% in $100M-$1B

595

Total Loans

size

Value: $386.07M

Peer Median: $258.35M

#595 of 2643 Top 22.5% in $100M-$1B

638

Return on Assets

profitability

Value: 1.70%

Peer Median: 1.32%

#638 of 2643 Top 24.1% in $100M-$1B

Top Weaknesses (3 metrics)

2435

Loan-to-Deposit Ratio

liquidity

Value: 102.02%

Peer Median: 77.95%

#2435 of 2643 Bottom 7.9% in $100M-$1B

2173

Net Interest Margin

profitability

Value: 3.25%

Peer Median: 3.99%

#2173 of 2643 Bottom 17.8% in $100M-$1B

2150

Non-Interest Income / Assets

revenue_mix

Value: 0.10%

Peer Median: 0.57%

#2150 of 2643 Bottom 18.7% in $100M-$1B