BlastPoint's Banking Scorecard
State Bank of Chilton
Chilton, WI
5 branches across WI
State Bank of Chilton has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.23% above tier average
- + Efficiency Ratio 25.39% below tier average
- + Net Interest Margin 0.35% above tier average
- + Delinquency Rate 0.32% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 36.7% in tier
- - Credit Risk Growth: Bottom 42.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$512.5M
+7.8% YoY
+1.4% QoQ
|
+$126.4M |
$386.1M
+0.5% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
73% |
| Total Loans ? |
$417.9M
+9.4% YoY
+6.0% QoQ
|
+$162.2M |
$255.7M
+1.1% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
81% |
| Total Deposits ? |
$433.4M
+8.9% YoY
+2.4% QoQ
|
+$105.4M |
$328.0M
+0.1% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
73% |
| Return on Assets ? |
2.50%
-4.4% YoY
-3.5% QoQ
|
+1.23% |
1.27%
+12.9% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
Top 4.7% in tier |
| Net Interest Margin ? |
4.28%
+2.5% YoY
-2.8% QoQ
|
+0.35% |
3.93%
+6.0% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
72% |
| Efficiency Ratio ? |
39.89%
+0.3% YoY
-3.4% QoQ
|
-25.39% |
65.29%
-4.5% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
Top 4.1% in tier |
| Delinquency Rate ? |
0.56%
+45.8% YoY
+105.2% QoQ
|
-0.32% |
0.89%
+18.8% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
96.42%
+0.5% YoY
+3.5% QoQ
|
+19.78% |
76.64%
+0.8% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 13.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.90%
-8.5% YoY
-4.3% QoQ
|
+0.88% |
22.02%
-1.0% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.46%
+48.0% YoY
+114.6% QoQ
|
-0.18% |
0.64%
+19.7% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
40% |
| Tier 1 Capital Ratio ? |
12.68%
+7.4% YoY
+1.4% QoQ
|
-3.15% |
15.83%
+1.5% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
44% |
| Non-Interest Income / Assets ? |
0.04%
-48.5% YoY
-81.3% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
Bottom 11.7% in tier |
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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 (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.