BlastPoint's Banking Scorecard
Community Bank of Cameron
Cameron, WI
3 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 +4.2% year over year ($198.6M on the books).
- Delinquency rate 0.54%.
- Return on assets 1.86%.
- Efficiency ratio 56.43% vs a 64.48% peer average.
- Loan-to-deposit ratio 78.33% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Community Bank of Cameron has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.53% above tier average
- + Net Interest Margin 0.43% above tier average
- + Efficiency Ratio 8.05% below tier average
- + Delinquency Rate 0.38% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 41.8% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$226.9M
+4.4% YoY
+2.6% QoQ
|
-$159.7M |
$386.6M
+1.2% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
32% |
| Total Loans ? |
$155.6M
-0.0% YoY
-0.2% QoQ
|
-$102.8M |
$258.3M
+1.7% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
37% |
| Total Deposits ? |
$198.6M
+4.2% YoY
+2.8% QoQ
|
-$128.1M |
$326.7M
+0.7% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
34% |
| Return on Assets ? |
1.86%
-0.4% YoY
+22.3% QoQ
|
+0.53% |
1.32%
+10.8% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
83% |
| Net Interest Margin ? |
4.41%
+2.7% YoY
+1.9% QoQ
|
+0.43% |
3.99%
+5.0% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
75% |
| Efficiency Ratio ? |
56.43%
-0.8% YoY
-8.6% QoQ
|
-8.05% |
64.48%
-3.2% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
68% |
| Delinquency Rate ? |
0.54%
+89.5% YoY
+38.9% QoQ
|
-0.38% |
0.92%
+15.7% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
78.33%
-4.0% YoY
-2.9% QoQ
|
+0.38% |
77.95%
+1.0% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
20.63%
+7.2% YoY
+42.7% QoQ
|
-1.40% |
22.03%
-0.6% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.37%
+81.5% YoY
+35.1% QoQ
|
-0.30% |
0.67%
+16.4% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
46% |
| Tier 1 Capital Ratio ? |
13.42%
+3.1% YoY
+1.0% QoQ
|
-2.49% |
15.91%
+1.4% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.22%
+11.4% YoY
+135.2% QoQ
|
-0.34% |
0.57%
+7.6% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
57% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
20.6%
+1.4pp YoY +6.2pp QoQ |
-1.5pp | 22.1% | 18.9% | 22.2% | 48% |
| Brokered Deposits |
3.4%
-0.6pp YoY +0.1pp QoQ |
-4.5pp | 7.9% | 9.2% | 8.5% | 41% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.1%
-0.2pp YoY +0.2pp QoQ |
-7.4pp | 11.6% | 10.5% | 12.5% | 15% |
| CRE |
22.6%
-2.9pp YoY -0.9pp QoQ |
-16.9pp | 39.5% | 46.4% | 41.4% | 22% |
| 1-4 Family |
66.1%
+4.3pp YoY +1.7pp QoQ |
+33.5pp | 32.6% | 32.3% | 31.3% | 93% |
| Consumer |
2.3%
-0.4pp YoY 0.0pp QoQ |
-1.8pp | 4.1% | 2.6% | 5.0% | 52% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.4%
+0.4pp YoY +0.1pp QoQ |
-5.4pp | 18.8% | 15.5% | 19.7% | 33% |
| Leverage Ratio |
9.0%
+0.4pp YoY +0.3pp QoQ |
-3.2pp | 12.2% | 12.6% | 12.6% | 12% |
| Total Capital Ratio |
14.7%
+0.4pp YoY +0.1pp QoQ |
-5.3pp | 19.9% | 16.6% | 20.8% | 34% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
39
0 YoY 0 QoQ |
-20 | 58 | 134 | 482 | 40% |
| Assets per Employee ($) |
$5.8M
+4.4% YoY +2.6% QoQ |
-$1.7M | $7.5M | $8.2M | $8.8M | 30% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 9 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.5%
+0.3pp YoY +0.2pp QoQ |
-0.4pp | 0.9% | 0.9% | 1.0% | 54% |
| Allowance Coverage |
2.09x
-46.8% YoY -32.8% QoQ |
-22.07x | 24.15x | 56.89x | 20.23x | 49% |
| Net Charge-off Rate (YTD) |
0.2%
+0.2pp YoY |
+0.1pp | 0.1% | 0.0% | 0.2% | 87% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
21.2%
-0.7pp YoY +3.8pp QoQ |
+9.0pp | 12.2% | 11.8% | 11.6% | 91% |
| Cost of Funds (YTD) |
1.7%
0.0pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.8% | 1.7% | 50% |
| Net Income ($, YTD) |
$2.1M
+6.0% YoY — QoQ |
-$493K | $2.6M | $7.9M | $40.4M | 54% |
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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 (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.