BlastPoint's Banking Scorecard
Bank Cmg
Designations: ✓ Community bank
Madison, WI
10 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 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in WI.
- Deposits +44.6% year over year ($935.0M on the books).
- Delinquency rate 0.25%.
- Return on assets 0.97%.
- Efficiency ratio 70.33% vs a 59.73% peer average.
- Loan-to-deposit ratio 83.49% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank Cmg has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.30% above tier average
- + Delinquency Rate 0.62% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.42% below tier average
- - Efficiency Ratio 10.60% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+42.5% YoY
+17.6% QoQ
|
-$1.7B |
$2.8B
-0.6% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
Bottom 5.4% in tier |
| Total Loans ? |
$780.6M
+40.2% YoY
+13.6% QoQ
|
-$1.2B |
$2.0B
-0.3% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
Bottom 12.5% in tier |
| Total Deposits ? |
$935.0M
+44.6% YoY
+19.6% QoQ
|
-$1.4B |
$2.3B
-0.5% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
Bottom 11.0% in tier |
| Return on Assets ? |
0.97%
+701.3% YoY
+0.9% QoQ
|
-0.42% |
1.39%
+17.0% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
28% |
| Net Interest Margin ? |
4.17%
+11.8% YoY
-3.2% QoQ
|
+0.30% |
3.87%
+6.2% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
76% |
| Efficiency Ratio ? |
70.33%
-20.9% YoY
+2.5% QoQ
|
+10.60% |
59.73%
-12.6% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
21% |
| Delinquency Rate ? |
0.25%
-43.9% YoY
+143.1% QoQ
|
-0.62% |
0.87%
+11.7% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
83.49%
-3.1% YoY
-5.0% QoQ
|
-1.55% |
85.04%
-0.1% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
19.76%
+1.6% YoY
+14.6% QoQ
|
-1.51% |
21.27%
-1.5% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
50% |
| Nonperforming Asset Ratio ? |
0.18%
-44.8% YoY
+134.8% QoQ
|
-0.49% |
0.67%
+11.7% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
75% |
| Tier 1 Capital Ratio ? |
11.87%
+9.6% YoY
-4.7% QoQ
|
-2.97% |
14.84%
-0.4% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.48%
+117.3% YoY
+128.6% QoQ
|
-0.05% |
0.53%
+2.5% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
79% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
19.8%
+0.3pp YoY +2.5pp QoQ |
-1.6pp | 21.4% | 18.9% | 22.2% | 50% |
| Brokered Deposits |
13.1%
+7.7pp YoY +6.6pp QoQ |
+3.7pp | 9.5% | 9.2% | 8.5% | 77% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
14.7%
-1.5pp YoY +3.4pp QoQ |
+0.7pp | 14.0% | 10.5% | 12.5% | 66% |
| CRE |
47.6%
-15.2pp YoY -9.8pp QoQ |
-2.4pp | 50.0% | 46.4% | 41.4% | 43% |
| 1-4 Family |
36.6%
+17.7pp YoY +6.9pp QoQ |
+10.2pp | 26.4% | 32.3% | 31.3% | 77% |
| Consumer |
0.1%
-0.1pp YoY 0.0pp QoQ |
-4.6pp | 4.7% | 2.6% | 5.0% | 14% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.9%
+1.0pp YoY -0.6pp QoQ |
-3.7pp | 15.6% | 15.5% | 19.7% | 21% |
| Leverage Ratio |
9.6%
+0.4pp YoY -0.3pp QoQ |
-1.7pp | 11.3% | 12.6% | 12.6% | 25% |
| Total Capital Ratio |
12.9%
+1.0pp YoY -0.6pp QoQ |
-3.8pp | 16.7% | 16.6% | 20.8% | 20% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
127
+24 (+23.3%) YoY +12 (+10.4%) QoQ |
-187 | 313 | 134 | 482 | 16% |
| Assets per Employee ($) |
$8.3M
+15.6% YoY +6.5% QoQ |
-$2.2M | $10.5M | $8.2M | $8.8M | 46% |
| Branch Count |
10
0 YoY 0 QoQ |
-10 | 20 | 9 | 18 | 29% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.2%
-0.2pp YoY +0.1pp QoQ |
-0.6pp | 0.8% | 0.9% | 1.0% | 25% |
| Allowance Coverage |
3.88x
+52.7% YoY -59.1% QoQ |
-14.83x | 18.71x | 56.89x | 20.23x | 72% |
| Net Charge-off Rate (YTD) |
-0.1%
-0.4pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.0% | 0.2% | 2% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.9%
+8.7pp YoY +0.5pp QoQ |
-2.6pp | 12.6% | 11.8% | 11.6% | 33% |
| Cost of Funds (YTD) |
1.7%
-0.6pp YoY 0.0pp QoQ |
-0.2pp | 1.9% | 1.8% | 1.7% | 36% |
| Net Income ($, YTD) |
$4.6M
+1014.5% YoY — QoQ |
-$14.6M | $19.2M | $7.9M | $40.4M | 10% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.