BlastPoint's Banking Scorecard
Ixonia Bank
Designations: ✓ Community bank
Ixonia, WI
7 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 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in WI.
- Deposits +18.4% year over year ($679.8M on the books).
- Delinquency rate 0.25%.
- Return on assets 1.21%.
- Efficiency ratio 86.70% vs a 59.73% peer average.
- Loan-to-deposit ratio 119.44% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Ixonia Bank has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 27.0% in tier
- + Net Interest Margin 3.73% above tier average
- + Delinquency Rate 0.62% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 15.2% in tier
- - Efficiency Drag: Bottom 16.7% in tier
- - Margin Compression: Bottom 43.5% in tier
- - Loan-to-Deposit Ratio 34.41% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+22.2% YoY
+12.1% QoQ
|
-$1.7B |
$2.8B
-0.6% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
Bottom 7.5% in tier |
| Total Loans ? |
$812.0M
+19.5% YoY
+6.7% QoQ
|
-$1.2B |
$2.0B
-0.3% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
15% |
| Total Deposits ? |
$679.8M
+18.4% YoY
+12.8% QoQ
|
-$1.6B |
$2.3B
-0.5% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
Bottom 0.7% in tier |
| Return on Assets ? |
1.21%
-22.5% YoY
+51.0% QoQ
|
-0.19% |
1.39%
+17.0% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
45% |
| Net Interest Margin ? |
7.60%
-6.5% YoY
+4.6% QoQ
|
+3.73% |
3.87%
+6.2% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
Top 1.2% in tier |
| Efficiency Ratio ? |
86.70%
+0.4% YoY
-0.3% QoQ
|
+26.97% |
59.73%
-12.6% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
Bottom 2.9% in tier |
| Delinquency Rate ? |
0.25%
+223.1% YoY
-43.5% QoQ
|
-0.62% |
0.87%
+11.7% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
119.44%
+0.9% YoY
-5.4% QoQ
|
+34.41% |
85.04%
-0.1% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
Bottom 2.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.44%
-23.1% YoY
-12.8% QoQ
|
-8.83% |
21.27%
-1.5% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.19%
+100.7% YoY
-46.2% QoQ
|
-0.49% |
0.67%
+11.7% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
74% |
| Tier 1 Capital Ratio ? |
12.23%
-3.4% YoY
+0.5% QoQ
|
-2.61% |
14.84%
-0.4% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
37% |
| Non-Interest Income / Assets ? |
4.19%
-3.5% YoY
+88.0% QoQ
|
+3.66% |
0.53%
+2.5% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
Top 1.0% 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 |
12.4%
-3.7pp YoY -1.8pp QoQ |
-8.9pp | 21.4% | 18.9% | 22.2% | 16% |
| Brokered Deposits |
7.4%
+2.1pp YoY +7.4pp QoQ |
-2.1pp | 9.5% | 9.2% | 8.5% | 60% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
22.9%
-1.7pp YoY -0.3pp QoQ |
+8.9pp | 14.0% | 10.5% | 12.5% | 85% |
| CRE |
33.1%
-1.5pp YoY -2.2pp QoQ |
-17.0pp | 50.0% | 46.4% | 41.4% | 14% |
| 1-4 Family |
43.6%
+3.1pp YoY +2.1pp QoQ |
+17.2pp | 26.4% | 32.3% | 31.3% | 85% |
| Consumer |
0.1%
0.0pp YoY 0.0pp QoQ |
-4.6pp | 4.7% | 2.6% | 5.0% | 15% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.2%
-0.4pp YoY +0.1pp QoQ |
-3.4pp | 15.6% | 15.5% | 19.7% | 28% |
| Leverage Ratio |
10.0%
-0.4pp YoY +0.1pp QoQ |
-1.4pp | 11.3% | 12.6% | 12.6% | 35% |
| Total Capital Ratio |
13.3%
-0.4pp YoY +0.1pp QoQ |
-3.4pp | 16.7% | 16.6% | 20.8% | 28% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
741
+83 (+12.6%) YoY +11 (+1.5%) QoQ |
+427 | 313 | 134 | 482 | 94% |
| Assets per Employee ($) |
$1.5M
+8.5% YoY +10.4% QoQ |
-$9.0M | $10.5M | $8.2M | $8.8M | 0% |
| Branch Count |
7
0 YoY 0 QoQ |
-13 | 20 | 9 | 18 | 17% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.3%
+0.2pp YoY -0.2pp QoQ |
-0.6pp | 0.8% | 0.9% | 1.0% | 26% |
| Allowance Coverage |
4.25x
-70.1% YoY +71.0% QoQ |
-14.46x | 18.71x | 56.89x | 20.23x | 74% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.0% | 0.2% | 50% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.2%
-3.5pp YoY +4.6pp QoQ |
+0.6pp | 12.6% | 11.8% | 11.6% | 59% |
| Cost of Funds (YTD) |
2.5%
-0.2pp YoY 0.0pp QoQ |
+0.5pp | 1.9% | 1.8% | 1.7% | 84% |
| Net Income ($, YTD) |
$6.0M
-7.3% YoY — QoQ |
-$13.2M | $19.2M | $7.9M | $40.4M | 16% |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (3)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.