BlastPoint's Banking Scorecard
Partners Bank of Wisconsin
Marshfield, 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 +7.9% year over year ($224.2M on the books).
- Delinquency rate 0.37%.
- Return on assets 1.28%.
- Efficiency ratio 57.60% vs a 64.48% peer average.
- Loan-to-deposit ratio 78.28% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Partners Bank of Wisconsin has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 6.88% below tier average
- + Delinquency Rate 0.55% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 19.3% in tier
- - Net Interest Margin 0.21% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$294.2M
+6.1% YoY
+2.6% QoQ
|
-$92.4M |
$386.6M
+1.2% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
45% |
| Total Loans ? |
$175.5M
-3.7% YoY
-2.4% QoQ
|
-$82.8M |
$258.3M
+1.7% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
42% |
| Total Deposits ? |
$224.2M
+7.9% YoY
+2.8% QoQ
|
-$102.5M |
$326.7M
+0.7% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
40% |
| Return on Assets ? |
1.28%
+8.7% YoY
-1.5% QoQ
|
-0.04% |
1.32%
+10.8% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
52% |
| Net Interest Margin ? |
3.77%
+9.3% YoY
+0.8% QoQ
|
-0.21% |
3.99%
+5.0% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
40% |
| Efficiency Ratio ? |
57.60%
-5.5% YoY
-2.0% QoQ
|
-6.88% |
64.48%
-3.2% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
64% |
| Delinquency Rate ? |
0.37%
+13.4% YoY
-31.5% QoQ
|
-0.55% |
0.92%
+15.7% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
78.28%
-10.8% YoY
-5.0% QoQ
|
+0.33% |
77.95%
+1.0% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
21.09%
+3.3% YoY
-4.3% QoQ
|
-0.94% |
22.03%
-0.6% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
50% |
| Nonperforming Asset Ratio ? |
0.22%
+2.9% YoY
-34.8% QoQ
|
-0.45% |
0.67%
+16.4% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
59% |
| Tier 1 Capital Ratio ? |
14.70%
+1.9% YoY
+3.2% QoQ
|
-1.20% |
15.91%
+1.4% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.08%
-19.0% YoY
+95.8% QoQ
|
-0.48% |
0.57%
+7.6% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
Bottom 14.2% in tier |
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 |
21.1%
+0.7pp YoY -0.9pp QoQ |
-1.1pp | 22.1% | 18.9% | 22.2% | 50% |
| Brokered Deposits |
0.3%
0.0pp YoY 0.0pp QoQ |
-7.6pp | 7.9% | 9.2% | 8.5% | 8% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
15.7%
-0.5pp YoY -0.3pp QoQ |
+4.1pp | 11.6% | 10.5% | 12.5% | 78% |
| CRE |
31.7%
-1.6pp YoY -1.1pp QoQ |
-7.9pp | 39.5% | 46.4% | 41.4% | 37% |
| 1-4 Family |
35.5%
+3.9pp YoY +1.2pp QoQ |
+2.9pp | 32.6% | 32.3% | 31.3% | 63% |
| Consumer |
2.8%
-0.3pp YoY +0.1pp QoQ |
-1.3pp | 4.1% | 2.6% | 5.0% | 58% |
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 |
14.7%
+0.3pp YoY +0.4pp QoQ |
+2.5pp | 12.2% | 12.6% | 12.6% | 85% |
| 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 |
34
-3 (-8.1%) YoY 0 QoQ |
-25 | 58 | 134 | 482 | 33% |
| Assets per Employee ($) |
$8.7M
+15.4% YoY +2.6% QoQ |
+$1.1M | $7.5M | $8.2M | $8.8M | 76% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 9 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.4%
0.0pp YoY -0.2pp QoQ |
-0.6pp | 0.9% | 0.9% | 1.0% | 44% |
| Allowance Coverage |
4.32x
+5.5% YoY +52.2% QoQ |
-19.83x | 24.15x | 56.89x | 20.23x | 67% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.0% | 0.2% | 7% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.4%
+0.3pp YoY -0.2pp QoQ |
-2.8pp | 12.2% | 11.8% | 11.6% | 33% |
| Cost of Funds (YTD) |
1.4%
-0.1pp YoY -0.1pp QoQ |
-0.3pp | 1.7% | 1.8% | 1.7% | 32% |
| Net Income ($, YTD) |
$1.9M
+15.1% YoY — QoQ |
-$699K | $2.6M | $7.9M | $40.4M | 50% |
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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.