BlastPoint's Banking Scorecard

Ixonia Bank

$100M-$1B Specialty: Commercial WI FDIC cert 12514

Ixonia, WI

7 branches across WI

2664 banks in the $100M-$1B peer group nationally 113 in WI

Ixonia Bank has 3 strengths but faces 5 concerns

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

+ Revenue Diversifier: Top 17.1% in tier
+ Net Interest Margin 3.34% above tier average
+ Delinquency Rate 0.44% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 8.9% in tier
- Margin Compression: Bottom 35.7% in tier
- Credit Quality Pressure: Bottom 37.9% in tier
- NIB Deposit Bleed: Bottom 55.6% in tier
- Loan-to-Deposit Ratio 49.65% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$959.9M +19.4% YoY +0.9% QoQ	+$573.8M	$386.1M +0.5% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	Top 1.2% in tier
Total Loans ?	$761.1M +25.9% YoY +4.2% QoQ	+$505.4M	$255.7M +1.1% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	Top 0.8% in tier
Total Deposits ?	$602.7M +12.8% YoY -0.6% QoQ	+$274.7M	$328.0M +0.1% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	Top 12.3% in tier
Return on Assets ?	0.80% -30.2% YoY -47.2% QoQ	-0.47%	1.27% +12.9% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	26%
Net Interest Margin ?	7.27% -4.2% YoY -9.8% QoQ	+3.34%	3.93% +6.0% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	Top 0.3% in tier
Efficiency Ratio ?	86.94% -1.6% YoY -0.1% QoQ	+21.66%	65.29% -4.5% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	Bottom 8.7% in tier
Delinquency Rate ?	0.44% +114.9% YoY -20.6% QoQ	-0.44%	0.89% +18.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	48%
Loan-to-Deposit Ratio ?	126.29% +11.6% YoY +4.8% QoQ	+49.65%	76.64% +0.8% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	Bottom 0.6% in tier
Non-Interest-Bearing Deposit Share ?	14.26% -17.0% YoY -0.1% QoQ	-7.76%	22.02% -1.0% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	21%
Nonperforming Asset Ratio ?	0.35% +82.4% YoY -18.0% QoQ	-0.29%	0.64% +19.7% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	46%
Tier 1 Capital Ratio ?	12.17% -5.9% YoY -1.9% QoQ	-3.66%	15.83% +1.5% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	37%
Non-Interest Income / Assets ?	2.23% +10.0% YoY -74.1% QoQ	+1.95%	0.28% +9.3% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	Top 0.8% in tier

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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 (1)

Revenue Diversifier

growth

#115 of 666 • Top 17.1% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 2.23%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 0.80%

(Tier: 1.27%, National: 1.23%)

but worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (4)

Efficiency Drag

risk

#38 of 414 • Bottom 8.9% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 86.94%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank improving

Margin Compression

decline

#110 of 305 • Bottom 35.7% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 0.80%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Credit Quality Pressure

risk

#497 of 1308 • Bottom 37.9% in tier

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

Why this signature

Delinquency Rate: 0.44%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

NIB Deposit Bleed

decline

#111 of 198 • Bottom 55.6% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 14.26%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Net Interest Margin

profitability

Value: 7.27%

Peer Median: 3.93%

#9 of 2664 Top 0.3% in $100M-$1B

Non-Interest Income / Assets

revenue_mix

Value: 2.23%

Peer Median: 0.28%

#21 of 2664 Top 0.8% in $100M-$1B

Total Loans

size

Value: $761.11M

Peer Median: $255.72M

#23 of 2664 Top 0.8% in $100M-$1B

Total Assets

size

Value: $959.88M

Peer Median: $386.08M

#34 of 2664 Top 1.2% in $100M-$1B

328

Total Deposits

size

Value: $602.66M

Peer Median: $327.97M

#328 of 2664 Top 12.3% in $100M-$1B

Top Weaknesses (3 metrics)

2649

Loan-to-Deposit Ratio

liquidity

Value: 126.29%

Peer Median: 76.64%

#2649 of 2664 Bottom 0.6% in $100M-$1B

2434

Efficiency Ratio

profitability

Value: 86.94%

Peer Median: 65.29%

#2434 of 2664 Bottom 8.7% in $100M-$1B

2094

Non-Interest-Bearing Deposit Share

funding

Value: 14.26%

Peer Median: 22.02%

#2094 of 2664 Bottom 21.4% in $100M-$1B