BlastPoint's Banking Scorecard

State Bank of Chilton

$100M-$1B Specialty: Commercial WI FDIC cert 12331

Chilton, WI

5 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 +7.5% year over year ($435.9M on the books).
Delinquency rate 0.59%.
Return on assets 2.40%.
Efficiency ratio 40.87% vs a 64.48% peer average.
Loan-to-deposit ratio 98.79% 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) →

State Bank of Chilton has 4 strengths but faces 1 concern

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

+ Return on Assets 1.08% above tier average
+ Efficiency Ratio 23.61% below tier average
+ Net Interest Margin 0.40% above tier average
+ Delinquency Rate 0.33% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 45.3% in tier

Get updates when State Bank of Chilton releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$516.5M +6.5% YoY +0.8% QoQ	+$129.9M	$386.6M +1.2% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	73%
Total Loans ?	$430.7M +13.5% YoY +3.1% QoQ	+$172.3M	$258.3M +1.7% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	82%
Total Deposits ?	$435.9M +7.5% YoY +0.6% QoQ	+$109.2M	$326.7M +0.7% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	73%
Return on Assets ?	2.40% -6.8% YoY -3.9% QoQ	+1.08%	1.32% +10.8% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	Top 5.8% in tier
Net Interest Margin ?	4.39% +4.0% YoY +2.6% QoQ	+0.40%	3.99% +5.0% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	74%
Efficiency Ratio ?	40.87% +1.4% YoY +2.4% QoQ	-23.61%	64.48% -3.2% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	Top 4.7% in tier
Delinquency Rate ?	0.59% +97.6% YoY +3.9% QoQ	-0.33%	0.92% +15.7% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	43%
Loan-to-Deposit Ratio ?	98.79% +5.6% YoY +2.5% QoQ	+20.84%	77.95% +1.0% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	Bottom 11.7% in tier
Non-Interest-Bearing Deposit Share ?	22.71% -4.7% YoY -0.8% QoQ	+0.67%	22.03% -0.6% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	58%
Nonperforming Asset Ratio ?	0.49% +110.6% YoY +6.2% QoQ	-0.18%	0.67% +16.4% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	40%
Tier 1 Capital Ratio ?	12.75% +4.4% YoY +0.6% QoQ	-3.16%	15.91% +1.4% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	44%
Non-Interest Income / Assets ?	0.08% -36.6% YoY +116.2% QoQ	-0.49%	0.57% +7.6% YoY	2.21% +12.7% YoY	0.66% +5.2% YoY	Bottom 13.0% 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	22.7% -1.1pp YoY -0.2pp QoQ	+0.6pp	22.1%	18.9%	22.2%	58%
Brokered Deposits	0.0%	-7.8pp	7.9%	9.2%	8.5%	5%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
C&I	7.1% -2.2pp YoY -0.7pp QoQ	-4.5pp	11.6%	10.5%	12.5%	33%
CRE	68.3% +2.2pp YoY +0.8pp QoQ	+28.8pp	39.5%	46.4%	41.4%	92%
1-4 Family	19.9% +0.6pp YoY -0.2pp QoQ	-12.8pp	32.6%	32.3%	31.3%	29%
Consumer	0.7% 0.0pp YoY 0.0pp QoQ	-3.4pp	4.1%	2.6%	5.0%	22%

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	12.7% +0.5pp YoY +0.1pp QoQ	+0.6pp	12.2%	12.6%	12.6%	73%
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	53 0 YoY -2 (-3.6%) QoQ	-6	58	134	482	56%
Assets per Employee ($)	$9.7M +6.5% YoY +4.6% QoQ	+$2.2M	$7.5M	$8.2M	$8.8M	84%
Branch Count	5 0 YoY 0 QoQ	0	4	9	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	0.6% +0.3pp YoY 0.0pp QoQ	-0.3pp	0.9%	0.9%	1.0%	57%
Allowance Coverage	3.01x -50.8% YoY -1.3% QoQ	-21.14x	24.15x	56.89x	20.23x	59%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.0%	0.2%	10%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
ROE	19.1% -3.0pp YoY -0.9pp QoQ	+7.0pp	12.2%	11.8%	11.6%	85%
Cost of Funds (YTD)	1.7% -0.1pp YoY 0.0pp QoQ	0.0pp	1.7%	1.8%	1.7%	53%
Net Income ($, YTD)	$6.1M -0.4% YoY — QoQ	+$3.6M	$2.6M	$7.9M	$40.4M	92%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk

#570 of 1256 • Bottom 45.3% in tier

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

Why this signature

Delinquency Rate: 0.59%

(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).

Compare against:

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

Top Strengths (3 metrics)

124

Efficiency Ratio

profitability

Value: 40.87%

Peer Median: 64.48%

#124 of 2643 Top 4.7% in $100M-$1B

154

Return on Assets

profitability

Value: 2.40%

Peer Median: 1.32%

#154 of 2643 Top 5.8% in $100M-$1B

473

Total Loans

size

Value: $430.66M

Peer Median: $258.35M

#473 of 2643 Top 17.9% in $100M-$1B

Top Weaknesses (2 metrics)

2335

Loan-to-Deposit Ratio

liquidity

Value: 98.79%

Peer Median: 77.95%

#2335 of 2643 Bottom 11.7% in $100M-$1B

2300

Non-Interest Income / Assets

revenue_mix

Value: 0.08%

Peer Median: 0.57%

#2300 of 2643 Bottom 13.0% in $100M-$1B