BlastPoint

BlastPoint's Banking Scorecard

Bank of Luxemburg

$100M-$1B Specialty: Commercial WI FDIC cert 13264

Luxemburg, WI

9 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 +1.0% year over year ($627.2M on the books).
  • Delinquency rate 0.18%.
  • Return on assets 0.80%.
  • Efficiency ratio 73.32% vs a 64.48% peer average.
  • Loan-to-deposit ratio 88.05% 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) →

Bank of Luxemburg has 1 strength 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

  • + Delinquency Rate 0.74% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 16.9% in tier
  • - Credit Risk Growth: Bottom 18.3% in tier
  • - Credit Quality Pressure: Bottom 22.4% in tier
  • - Net Interest Margin 0.12% below tier average
  • - Efficiency Ratio 8.84% above tier average
Get updates when Bank of Luxemburg releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $723.4M
+2.1% YoY -0.2% QoQ
+$336.8M $386.6M
+1.2% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
Top 11.5% in tier
Total Loans ? $552.2M
+4.5% YoY +1.9% QoQ
+$293.9M $258.3M
+1.7% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
Top 7.8% in tier
Total Deposits ? $627.2M
+1.0% YoY -0.6% QoQ
+$300.4M $326.7M
+0.7% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
Top 10.6% in tier
Return on Assets ? 0.80%
-15.2% YoY +25.9% QoQ
-0.53% 1.32%
+10.8% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
23%
Net Interest Margin ? 3.86%
+4.7% YoY +0.4% QoQ
-0.12% 3.99%
+5.0% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
46%
Efficiency Ratio ? 73.32%
+4.5% YoY -5.2% QoQ
+8.84% 64.48%
-3.2% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
23%
Delinquency Rate ? 0.18%
+365.4% YoY +40.9% QoQ
-0.74% 0.92%
+15.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
67%
Loan-to-Deposit Ratio ? 88.05%
+3.4% YoY +2.5% QoQ
+10.09% 77.95%
+1.0% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
31%
Non-Interest-Bearing Deposit Share ? 15.95%
+3.6% YoY +8.6% QoQ
-6.08% 22.03%
-0.6% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
28%
Nonperforming Asset Ratio ? 0.14%
+375.9% YoY +43.9% QoQ
-0.53% 0.67%
+16.4% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
67%
Tier 1 Capital Ratio ? 11.40%
+7.3% YoY +0.0% QoQ
-4.51% 15.91%
+1.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
28%
Non-Interest Income / Assets ? 0.36%
+42.0% YoY +111.1% QoQ
-0.21% 0.57%
+7.6% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
81%

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 16.0%
+0.5pp YoY
+1.3pp QoQ
 -6.2pp 22.1% 18.9% 22.2% 27%
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 12.9%
-1.4pp YoY
-0.2pp QoQ
 +1.3pp 11.6% 10.5% 12.5% 68%
CRE 56.2%
+1.5pp YoY
+1.0pp QoQ
 +16.7pp 39.5% 46.4% 41.4% 80%
1-4 Family 22.8%
-1.1pp YoY
-0.8pp QoQ
 -9.9pp 32.6% 32.3% 31.3% 36%
Consumer 3.1%
+1.0pp YoY
+0.2pp QoQ
 -1.0pp 4.1% 2.6% 5.0% 61%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio 11.4%
+0.8pp YoY
0.0pp QoQ
 -7.4pp 18.8% 15.5% 19.7% 11%
Leverage Ratio 9.6%
+0.5pp YoY
+0.2pp QoQ
 -2.5pp 12.2% 12.6% 12.6% 24%
Total Capital Ratio 12.2%
+0.8pp YoY
+0.1pp QoQ
 -7.7pp 19.9% 16.6% 20.8% 9%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 111
+2 (+1.8%) YoY
+2 (+1.8%) QoQ
 +52 58 134 482 90%
Assets per Employee ($) $6.5M
+0.3% YoY
-2.0% QoQ
 -$1.0M $7.5M $8.2M $8.8M 43%
Branch Count 9
0 YoY
0 QoQ
 +4 4 9 18 86%

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 0.2%
+0.1pp YoY
+0.1pp QoQ
 -0.8pp 0.9% 0.9% 1.0% 28%
Allowance Coverage 5.10x
-79.6% YoY
-23.0% QoQ
 -19.06x 24.15x 56.89x 20.23x 71%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
-0.1pp QoQ
 -0.1pp 0.1% 0.0% 0.2% 52%

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 9.7%
-3.3pp YoY
+1.9pp QoQ
 -2.5pp 12.2% 11.8% 11.6% 35%
Cost of Funds (YTD) 2.0%
-0.1pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.8% 1.7% 68%
Net Income ($, YTD) $2.9M
-10.8% YoY
— QoQ
 +$314K $2.6M $7.9M $40.4M 68%

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 (3)

Margin Compression

decline
#53 of 307 • Bottom 16.9% 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: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

Credit Risk Growth

risk
#172 of 936 • Bottom 18.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#282 of 1256 • Bottom 22.4% in tier

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

Why this signature
Delinquency Rate: 0.18%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

208
Total Loans
size
Value: $552.20M
Peer Median: $258.35M
#208 of 2643 Top 7.8% in $100M-$1B
280
Total Deposits
size
Value: $627.17M
Peer Median: $326.73M
#280 of 2643 Top 10.6% in $100M-$1B
304
Total Assets
size
Value: $723.37M
Peer Median: $386.57M
#304 of 2643 Top 11.5% in $100M-$1B
515
Non-Interest Income / Assets
revenue_mix
Value: 0.36%
Peer Median: 0.57%
#515 of 2643 Top 19.4% in $100M-$1B

Top Weaknesses (2 metrics)

2034
Efficiency Ratio
profitability
Value: 73.32%
Peer Median: 64.48%
#2034 of 2643 Bottom 23.1% in $100M-$1B
2034
Return on Assets
profitability
Value: 0.80%
Peer Median: 1.32%
#2034 of 2643 Bottom 23.1% in $100M-$1B
Powered by BlastPoint © 2026