BlastPoint's Banking Scorecard
Bank of Mauston
Mauston, WI
6 branches across WI
Bank of Mauston has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 20.6% in tier
- + Revenue Diversifier: Top 22.7% in tier
- + Profitability Leader: Top 50.0% in tier
- + Efficiency Ratio 18.19% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 1.3% in tier
- - Credit Risk Growth: Bottom 4.1% in tier
- - Net Interest Margin 0.48% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$419.8M
+6.1% YoY
-1.7% QoQ
|
+$33.7M |
$386.1M
+0.5% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
64% |
| Total Loans ? |
$241.1M
+3.1% YoY
-1.8% QoQ
|
-$14.6M |
$255.7M
+1.1% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
58% |
| Total Deposits ? |
$362.4M
+5.6% YoY
-2.3% QoQ
|
+$34.4M |
$328.0M
+0.1% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
64% |
| Return on Assets ? |
2.27%
+3.9% YoY
-10.8% QoQ
|
+1.00% |
1.27%
+12.9% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
Top 7.7% in tier |
| Net Interest Margin ? |
3.45%
+4.8% YoY
+2.2% QoQ
|
-0.48% |
3.93%
+6.0% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
28% |
| Efficiency Ratio ? |
47.09%
+4.3% YoY
+12.8% QoQ
|
-18.19% |
65.29%
-4.5% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
Top 11.3% in tier |
| Delinquency Rate ? |
0.01%
+100.9% YoY
-1.5% QoQ
|
-0.88% |
0.89%
+18.8% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
Top 14.2% in tier |
| Loan-to-Deposit Ratio ? |
66.53%
-2.4% YoY
+0.5% QoQ
|
-10.11% |
76.64%
+0.8% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
12.09%
-3.3% YoY
-6.7% QoQ
|
-9.93% |
22.02%
-1.0% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
Bottom 15.0% in tier |
| Nonperforming Asset Ratio ? |
0.01%
+95.3% YoY
-1.7% QoQ
|
-0.63% |
0.64%
+19.7% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
Top 13.0% in tier |
| Tier 1 Capital Ratio ? |
14.32%
+4.5% YoY
-3.9% QoQ
|
-1.51% |
15.83%
+1.5% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.23%
+17.8% YoY
-77.3% QoQ
|
-0.05% |
0.28%
+9.3% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
Top 10.1% in tier |
Get Full Access to Bank of Mauston
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 (3)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (2)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.