BlastPoint's Banking Scorecard
Baraboo State Bank
Baraboo, WI
7 branches across WI
Baraboo State Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 22.9% in tier
- + Efficiency Ratio 6.55% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.48% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$575.2M
+6.2% YoY
-2.1% QoQ
|
+$189.1M |
$386.1M
+0.5% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
79% |
| Total Loans ? |
$295.6M
+13.3% YoY
-0.3% QoQ
|
+$39.9M |
$255.7M
+1.1% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
67% |
| Total Deposits ? |
$496.8M
+6.1% YoY
-2.6% QoQ
|
+$168.9M |
$328.0M
+0.1% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
79% |
| Return on Assets ? |
1.23%
+19.5% YoY
+27.2% QoQ
|
-0.04% |
1.27%
+12.9% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
52% |
| Net Interest Margin ? |
3.45%
+6.4% YoY
+2.0% QoQ
|
-0.48% |
3.93%
+6.0% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
28% |
| Efficiency Ratio ? |
58.74%
-8.1% YoY
-10.3% QoQ
|
-6.55% |
65.29%
-4.5% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
64% |
| Delinquency Rate ? |
0.02%
-17.2% YoY
+2.0% QoQ
|
-0.87% |
0.89%
+18.8% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
59.50%
+6.8% YoY
+2.3% QoQ
|
-17.13% |
76.64%
+0.8% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
21.13%
-2.5% YoY
-2.3% QoQ
|
-0.89% |
22.02%
-1.0% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
50% |
| Nonperforming Asset Ratio ? |
0.01%
-11.6% YoY
+3.8% QoQ
|
-0.63% |
0.64%
+19.7% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
Top 14.1% in tier |
| Tier 1 Capital Ratio ? |
18.91%
-1.3% YoY
+2.7% QoQ
|
+3.08% |
15.83%
+1.5% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.13%
+2.0% YoY
-74.7% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
68% |
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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)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.