BlastPoint's Banking Scorecard
GreenLeaf Bank
Greenleaf, WI
2 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 +7.3% year over year ($135.5M on the books).
- Delinquency rate 0.59%.
- Return on assets 1.15%.
- Efficiency ratio 62.82% vs a 64.48% peer average.
- Loan-to-deposit ratio 65.58% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
GreenLeaf Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 1.66% below tier average
- + Delinquency Rate 0.33% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 49.8% in tier
- - Non-Interest Income / Assets 0.50% below tier average
- - ROA 0.17% below tier average
- - Net Interest Margin 0.77% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$158.7M
+7.6% YoY
+2.8% QoQ
|
-$227.8M |
$386.6M
+1.2% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
17% |
| Total Loans ? |
$88.9M
+0.3% YoY
-3.1% QoQ
|
-$169.5M |
$258.3M
+1.7% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
Bottom 14.3% in tier |
| Total Deposits ? |
$135.5M
+7.3% YoY
+3.0% QoQ
|
-$191.2M |
$326.7M
+0.7% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
17% |
| Return on Assets ? |
1.15%
+39.5% YoY
+1.2% QoQ
|
-0.17% |
1.32%
+10.8% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
44% |
| Net Interest Margin ? |
3.22%
+9.5% YoY
+1.2% QoQ
|
-0.77% |
3.99%
+5.0% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
17% |
| Efficiency Ratio ? |
62.82%
-10.4% YoY
-0.2% QoQ
|
-1.66% |
64.48%
-3.2% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
49% |
| Delinquency Rate ? |
0.59%
+3.2% QoQ
|
-0.33% |
0.92%
+15.7% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
65.58%
-6.6% YoY
-5.9% QoQ
|
-12.38% |
77.95%
+1.0% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
16.27%
-10.0% YoY
+6.6% QoQ
|
-5.76% |
22.03%
-0.6% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.33%
-2.8% QoQ
|
-0.34% |
0.67%
+16.4% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
9.63%
+3.7% YoY
+0.4% QoQ
|
-6.28% |
15.91%
+1.4% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
Bottom 6.4% in tier |
| Non-Interest Income / Assets ? |
0.07%
+0.4% YoY
+81.1% QoQ
|
-0.50% |
0.57%
+7.6% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
Bottom 9.5% 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 |
16.3%
-1.8pp YoY +1.0pp QoQ |
-5.9pp | 22.1% | 18.9% | 22.2% | 28% |
| Brokered Deposits | n/a | n/a | 7.9% | 9.2% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.0%
-1.3pp YoY -0.5pp QoQ |
-1.5pp | 11.6% | 10.5% | 12.5% | 53% |
| CRE |
47.4%
+1.5pp YoY -1.2pp QoQ |
+7.9pp | 39.5% | 46.4% | 41.4% | 66% |
| 1-4 Family |
28.7%
+0.1pp YoY +0.9pp QoQ |
-4.0pp | 32.6% | 32.3% | 31.3% | 48% |
| Consumer |
0.7%
0.0pp YoY +0.1pp QoQ |
-3.4pp | 4.1% | 2.6% | 5.0% | 20% |
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 |
9.6%
+0.3pp YoY 0.0pp QoQ |
-2.5pp | 12.2% | 12.6% | 12.6% | 24% |
| 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 |
20
+1 (+5.3%) YoY +2 (+11.1%) QoQ |
-39 | 58 | 134 | 482 | 11% |
| Assets per Employee ($) |
$7.9M
+2.2% YoY -7.4% QoQ |
+$418K | $7.5M | $8.2M | $8.8M | 67% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 9 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.6%
+0.6pp YoY 0.0pp QoQ |
-0.3pp | 0.9% | 0.9% | 1.0% | 57% |
| Allowance Coverage |
2.80x
-94.2% YoY -2.1% QoQ |
-21.35x | 24.15x | 56.89x | 20.23x | 57% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.0% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.7%
+2.1pp YoY +0.1pp QoQ |
+2.5pp | 12.2% | 11.8% | 11.6% | 66% |
| Cost of Funds (YTD) |
1.8%
-0.1pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.8% | 1.7% | 54% |
| Net Income ($, YTD) |
$896,000
+46.9% YoY — QoQ |
-$1.7M | $2.6M | $7.9M | $40.4M | 24% |
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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)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.