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Bank of Mauston

$100M-$1B Specialty: Commercial WI FDIC cert 12327

Mauston, WI

6 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 110 in WI.
  • Deposits +5.8% year over year ($367.7M on the books).
  • Delinquency rate 0.20%.
  • Return on assets 2.57%.
  • Efficiency ratio 41.17% vs a 64.48% peer average.
  • Loan-to-deposit ratio 66.10% 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) →

Bank of Mauston has 4 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

  • + Revenue Diversifier: Top 21.3% in tier
  • + Profitability Leader: Top 30.3% in tier
  • + Efficiency Ratio 23.31% below tier average
  • + Delinquency Rate 0.72% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 7.7% in tier
  • - Credit Quality Pressure: Bottom 28.2% in tier
  • - Net Interest Margin 0.41% below tier average
Get updates when Bank of Mauston releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $426.7M
+6.0% YoY +1.6% QoQ
+$40.1M $386.6M
+1.2% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
65%
Total Loans ? $243.1M
+1.8% YoY +0.8% QoQ
-$15.3M $258.3M
+1.7% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
57%
Total Deposits ? $367.7M
+5.8% YoY +1.5% QoQ
+$41.0M $326.7M
+0.7% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
65%
Return on Assets ? 2.57%
+6.0% YoY +13.2% QoQ
+1.24% 1.32%
+10.8% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
Top 4.0% in tier
Net Interest Margin ? 3.58%
+3.4% YoY +3.8% QoQ
-0.41% 3.99%
+5.0% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
32%
Efficiency Ratio ? 41.17%
-0.4% YoY -12.6% QoQ
-23.31% 64.48%
-3.2% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
Top 5.0% in tier
Delinquency Rate ? 0.20% -0.72% 0.92%
+15.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
66%
Loan-to-Deposit Ratio ? 66.10%
-3.7% YoY -0.6% QoQ
-11.85% 77.95%
+1.0% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
75%
Non-Interest-Bearing Deposit Share ? 13.50%
+2.0% YoY +11.7% QoQ
-8.53% 22.03%
-0.6% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
19%
Nonperforming Asset Ratio ? 0.11% -0.56% 0.67%
+16.4% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
70%
Tier 1 Capital Ratio ? 14.75%
+4.4% YoY +3.0% QoQ
-1.16% 15.91%
+1.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
64%
Non-Interest Income / Assets ? 0.44%
+14.5% YoY +87.3% QoQ
-0.13% 0.57%
+7.6% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
Top 11.9% in tier

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 13.5%
+0.3pp YoY
+1.4pp QoQ
 -8.6pp 22.1% 18.9% 22.2% 19%
Brokered Deposits n/a n/a 7.9% 9.2% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
C&I 12.1%
+3.4pp YoY
+1.3pp QoQ
 +0.5pp 11.6% 10.5% 12.5% 64%
CRE 68.0%
-3.0pp YoY
-2.5pp QoQ
 +28.5pp 39.5% 46.4% 41.4% 91%
1-4 Family 18.0%
+1.9pp YoY
+1.9pp QoQ
 -14.7pp 32.6% 32.3% 31.3% 26%
Consumer 1.4%
-0.7pp YoY
-0.4pp QoQ
 -2.7pp 4.1% 2.6% 5.0% 37%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.5% 19.7% n/a
Leverage Ratio 14.8%
+0.6pp YoY
+0.4pp QoQ
 +2.6pp 12.2% 12.6% 12.6% 86%
Total Capital Ratio n/a n/a 19.9% 16.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 68
0 YoY
0 QoQ
 +9 58 134 482 69%
Assets per Employee ($) $6.3M
+6.0% YoY
+1.6% QoQ
 -$1.2M $7.5M $8.2M $8.8M 38%
Branch Count 6
0 YoY
0 QoQ
 +1 4 9 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Past Due 90+ Days 0.2% -0.1pp 0.3% 0.4% 0.4% 63%
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.9% 1.0% 3%
Allowance Coverage 9.83x
-96.8% YoY
-93.9% QoQ
 -14.33x 24.15x 56.89x 20.23x 81%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.0% 0.2% 32%

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 19.6%
+0.2pp YoY
+2.1pp QoQ
 +7.4pp 12.2% 11.8% 11.6% 87%
Cost of Funds (YTD) 1.6%
-0.1pp YoY
-0.1pp QoQ
 -0.1pp 1.7% 1.8% 1.7% 46%
Net Income ($, YTD) $5.4M
+12.3% YoY
— QoQ
 +$2.9M $2.6M $7.9M $40.4M 90%

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 (2)

Revenue Diversifier

growth
#142 of 661 • Top 21.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.44%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 2.57%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Profitability Leader

growth
#201 of 661 • Top 30.3% in tier

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

Why this signature
Return on Assets: 2.57%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (2)

Credit Risk Growth

risk
#73 of 936 • Bottom 7.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#355 of 1256 • Bottom 28.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.20%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

107
Return on Assets
profitability
Value: 2.57%
Peer Median: 1.32%
#107 of 2643 Top 4.0% in $100M-$1B
133
Efficiency Ratio
profitability
Value: 41.17%
Peer Median: 64.48%
#133 of 2643 Top 5.0% in $100M-$1B
315
Non-Interest Income / Assets
revenue_mix
Value: 0.44%
Peer Median: 0.57%
#315 of 2643 Top 11.9% in $100M-$1B
658
Loan-to-Deposit Ratio
liquidity
Value: 66.10%
Peer Median: 77.95%
#658 of 2643 Top 24.9% in $100M-$1B

Top Weaknesses (1 metrics)

2138
Non-Interest-Bearing Deposit Share
funding
Value: 13.50%
Peer Median: 22.03%
#2138 of 2643 Bottom 19.1% in $100M-$1B
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