BlastPoint's Banking Scorecard

Baraboo State Bank

$100M-$1B Specialty: Commercial WI FDIC cert 12788

Baraboo, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 110 in WI.
Deposits +5.6% year over year ($490.4M on the books).
Delinquency rate 0.01%.
Return on assets 1.19%.
Efficiency ratio 60.67% vs a 64.48% peer average.
Loan-to-deposit ratio 60.53% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 110 in WI

View $100M-$1B leaderboard (WI) →

Baraboo State Bank has 2 strengths but faces 2 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

+ Efficiency Ratio 3.81% below tier average
+ Delinquency Rate 0.91% below tier average

Key Concerns

Areas that may need attention

- ROA 0.13% below tier average
- Net Interest Margin 0.48% below tier average

Get updates when Baraboo State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$569.6M +5.7% YoY -1.0% QoQ	+$183.0M	$386.6M +1.2% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	78%
Total Loans ?	$296.8M +11.2% YoY +0.4% QoQ	+$38.5M	$258.3M +1.7% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	67%
Total Deposits ?	$490.4M +5.6% YoY -1.3% QoQ	+$163.6M	$326.7M +0.7% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	79%
Return on Assets ?	1.19% +4.1% YoY -3.2% QoQ	-0.13%	1.32% +10.8% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	46%
Net Interest Margin ?	3.51% +4.6% YoY +1.7% QoQ	-0.48%	3.99% +5.0% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	28%
Efficiency Ratio ?	60.67% -1.2% YoY +3.3% QoQ	-3.81%	64.48% -3.2% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	55%
Delinquency Rate ?	0.01% -60.6% YoY -54.3% QoQ	-0.91%	0.92% +15.7% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	Top 14.2% in tier
Loan-to-Deposit Ratio ?	60.53% +5.3% YoY +1.7% QoQ	-17.42%	77.95% +1.0% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	82%
Non-Interest-Bearing Deposit Share ?	22.03% -3.3% YoY +4.3% QoQ	+0.00%	22.03% -0.6% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	55%
Nonperforming Asset Ratio ?	0.00% -58.6% YoY -53.7% QoQ	-0.66%	0.67% +16.4% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	Top 12.4% in tier
Tier 1 Capital Ratio ?	19.66% +3.7% YoY +3.9% QoQ	+3.75%	15.91% +1.4% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	Top 14.6% in tier
Non-Interest Income / Assets ?	0.27% -7.4% YoY +102.1% QoQ	-0.29%	0.57% +7.6% YoY	2.21% +12.7% YoY	0.66% +5.2% YoY	67%

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	22.0% -0.8pp YoY +0.9pp QoQ	-0.1pp	22.1%	18.9%	22.2%	54%
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	3.2% -1.1pp YoY +0.1pp QoQ	-8.3pp	11.6%	10.5%	12.5%	11%
CRE	75.2% +1.1pp YoY -1.0pp QoQ	+35.6pp	39.5%	46.4%	41.4%	95%
1-4 Family	20.2% +1.4pp YoY +0.8pp QoQ	-12.5pp	32.6%	32.3%	31.3%	30%
Consumer	1.3% -0.6pp YoY 0.0pp QoQ	-2.8pp	4.1%	2.6%	5.0%	35%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
CET1 Ratio	19.7% +0.7pp YoY +0.8pp QoQ	+0.8pp	18.8%	15.5%	19.7%	76%
Leverage Ratio	11.7% +0.3pp YoY +0.6pp QoQ	-0.5pp	12.2%	12.6%	12.6%	61%
Total Capital Ratio	20.9% +0.7pp YoY +0.7pp QoQ	+1.0pp	19.9%	16.6%	20.8%	77%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Full-Time Employees	95 +4 (+4.4%) YoY +3 (+3.3%) QoQ	+36	58	134	482	85%
Assets per Employee ($)	$6.0M +1.2% YoY -4.1% QoQ	-$1.5M	$7.5M	$8.2M	$8.8M	34%
Branch Count	7 0 YoY 0 QoQ	+2	4	9	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp QoQ	-0.3pp	0.3%	0.4%	0.4%	1%
Nonaccrual	0.0% 0.0pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.9%	1.0%	3%
Allowance Coverage	196.50x +133.2% YoY +117.7% QoQ	+172.35x	24.15x	56.89x	20.23x	98%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.0%	0.2%	36%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
ROE	10.6% +0.3pp YoY -0.5pp QoQ	-1.6pp	12.2%	11.8%	11.6%	41%
Cost of Funds (YTD)	1.6% -0.1pp YoY 0.0pp QoQ	-0.1pp	1.7%	1.8%	1.7%	46%
Net Income ($, YTD)	$3.4M +10.6% YoY — QoQ	+$886K	$2.6M	$7.9M	$40.4M	75%

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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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 2643 peers in $100M-$1B

Top Strengths (6 metrics)

329

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#329 of 2643 Top 12.4% in $100M-$1B

375

Delinquency Rate

credit_quality

Value: 0.01%

Peer Median: 0.92%

#375 of 2633 Top 14.2% in $100M-$1B

386

Tier 1 Capital Ratio

capital

Value: 19.66%

Peer Median: 15.91%

#386 of 2643 Top 14.6% in $100M-$1B

470

Loan-to-Deposit Ratio

liquidity

Value: 60.53%

Peer Median: 77.95%

#470 of 2643 Top 17.7% in $100M-$1B

562

Total Deposits

size

Value: $490.36M

Peer Median: $326.73M

#562 of 2643 Top 21.2% in $100M-$1B

578

Total Assets

size

Value: $569.60M

Peer Median: $386.57M

#578 of 2643 Top 21.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available