BlastPoint's Banking Scorecard

Bank of Cashton

$100M-$1B Specialty: Agricultural WI FDIC cert 12325

Cashton, WI

2664 banks in the $100M-$1B peer group nationally 113 in WI

Bank of Cashton has 2 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

+ Credit Quality Leader: Top 30.7% in tier
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 36.5% in tier
- ROA 0.17% below tier average
- Net Interest Margin 0.31% below 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 ?	$144.7M +4.5% YoY +0.0% QoQ	-$241.4M	$386.1M +0.5% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	Bottom 12.8% in tier
Total Loans ?	$98.2M +6.5% YoY -0.6% QoQ	-$157.5M	$255.7M +1.1% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	19%
Total Deposits ?	$126.0M +6.8% YoY +0.2% QoQ	-$201.9M	$328.0M +0.1% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	Bottom 13.9% in tier
Return on Assets ?	1.09% -5.4% YoY +4.2% QoQ	-0.17%	1.27% +12.9% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	44%
Net Interest Margin ?	3.62% +14.1% YoY +6.5% QoQ	-0.31%	3.93% +6.0% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	36%
Efficiency Ratio ?	68.22% +8.3% YoY +2.6% QoQ	+2.94%	65.29% -4.5% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	36%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	77.93% -0.2% YoY -0.8% QoQ	+1.29%	76.64% +0.8% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	51%
Non-Interest-Bearing Deposit Share ?	20.92% +3.5% YoY -0.0% QoQ	-1.10%	22.02% -1.0% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	49%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	14.50% -2.4% YoY +2.9% QoQ	-1.33%	15.83% +1.5% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	62%
Non-Interest Income / Assets ?	0.09% -5.7% YoY -75.0% QoQ	-0.19%	0.28% +9.3% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	48%

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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 (1)

Credit Quality Leader

growth

#205 of 664 • Top 30.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (1)

Cost Spiral

risk

#47 of 126 • Bottom 36.5% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 68.22%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

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 (2 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Top Weaknesses (3 metrics)

2325

Total Assets

size

Value: $144.67M

Peer Median: $386.08M

#2325 of 2664 Bottom 12.8% in $100M-$1B

2295

Total Deposits

size

Value: $126.03M

Peer Median: $327.97M

#2295 of 2664 Bottom 13.9% in $100M-$1B

2156

Total Loans

size

Value: $98.21M

Peer Median: $255.72M

#2156 of 2664 Bottom 19.1% in $100M-$1B