BlastPoint's Banking Scorecard

The Farmers State Bank of Waupaca

$100M-$1B Specialty: Other WI FDIC cert 13033

Waupaca, WI

3 branches across WI

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

The Farmers State Bank of Waupaca shows strong momentum with 4 strengths and 9.2% YoY asset growth

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

+ ROA 0.21% above tier average
+ Net Interest Margin 0.14% above tier average
+ Efficiency Ratio 5.17% below tier average
+ Delinquency Rate 0.88% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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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 ?	$275.9M +9.2% YoY -1.1% QoQ	-$110.2M	$386.1M +0.5% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	41%
Total Loans ?	$165.8M +6.3% YoY +2.5% QoQ	-$89.9M	$255.7M +1.1% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	40%
Total Deposits ?	$242.2M +9.6% YoY -1.5% QoQ	-$85.7M	$328.0M +0.1% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	43%
Return on Assets ?	1.48% +7.0% YoY +18.2% QoQ	+0.21%	1.27% +12.9% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	67%
Net Interest Margin ?	4.07% +1.6% YoY +0.5% QoQ	+0.14%	3.93% +6.0% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	61%
Efficiency Ratio ?	60.12% -3.8% YoY -10.2% QoQ	-5.17%	65.29% -4.5% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	60%
Delinquency Rate ?	0.01% -95.0% YoY +27.6% QoQ	-0.88%	0.89% +18.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	Top 13.9% in tier
Loan-to-Deposit Ratio ?	68.44% -3.0% YoY +4.0% QoQ	-8.20%	76.64% +0.8% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	70%
Non-Interest-Bearing Deposit Share ?	26.13% +5.2% YoY +0.6% QoQ	+4.11%	22.02% -1.0% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	70%
Nonperforming Asset Ratio ?	0.01% -95.1% YoY +32.2% QoQ	-0.63%	0.64% +19.7% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	Top 12.8% in tier
Tier 1 Capital Ratio ?	10.96% -3.9% YoY -0.4% QoQ	-4.87%	15.83% +1.5% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	23%
Non-Interest Income / Assets ?	0.11% -4.7% YoY -75.6% QoQ	-0.17%	0.28% +9.3% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	59%

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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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

341

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.64%

#341 of 2664 Top 12.8% in $100M-$1B

370

Delinquency Rate

credit_quality

Value: 0.01%

Peer Median: 0.89%

#370 of 2654 Top 13.9% in $100M-$1B

Top Weaknesses (1 metrics)

2065

Tier 1 Capital Ratio

capital

Value: 10.96%

Peer Median: 15.83%

#2065 of 2664 Bottom 22.5% in $100M-$1B