BlastPoint's Banking Scorecard

Bank of Sun Prairie

$100M-$1B Specialty: Commercial WI FDIC cert 13565

Sun Prairie, WI

8 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 +17.4% year over year ($719.5M on the books).
Delinquency rate 0.07%.
Return on assets 0.63%.
Efficiency ratio 77.90% vs a 64.48% peer average.
Loan-to-deposit ratio 82.56% 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 Sun Prairie has 1 strength but faces 4 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

+ Credit Quality Leader: Top 1.5% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 11.7% in tier
- Net Interest Margin 1.09% below tier average
- ROA 0.70% below tier average
- Efficiency Ratio 13.42% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$841.2M +16.4% YoY +17.4% QoQ	+$454.6M	$386.6M +1.2% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	Top 6.0% in tier
Total Loans ?	$594.0M -1.3% YoY +1.9% QoQ	+$335.7M	$258.3M +1.7% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	Top 6.4% in tier
Total Deposits ?	$719.5M +17.4% YoY +22.5% QoQ	+$392.7M	$326.7M +0.7% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	Top 5.6% in tier
Return on Assets ?	0.63% +73.0% YoY +46.3% QoQ	-0.70%	1.32% +10.8% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	16%
Net Interest Margin ?	2.89% +25.2% YoY +8.1% QoQ	-1.09%	3.99% +5.0% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	Bottom 7.6% in tier
Efficiency Ratio ?	77.90% -7.2% YoY -5.8% QoQ	+13.42%	64.48% -3.2% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	16%
Delinquency Rate ?	0.07% +44.4% QoQ	-0.85%	0.92% +15.7% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	77%
Loan-to-Deposit Ratio ?	82.56% -15.9% YoY -16.8% QoQ	+4.61%	77.95% +1.0% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	44%
Non-Interest-Bearing Deposit Share ?	16.61% +18.8% YoY +24.3% QoQ	-5.42%	22.03% -0.6% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	31%
Nonperforming Asset Ratio ?	0.05% +25.4% QoQ	-0.62%	0.67% +16.4% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	79%
Tier 1 Capital Ratio ?	13.27% +6.2% YoY +13.9% QoQ	-2.64%	15.91% +1.4% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	51%
Non-Interest Income / Assets ?	0.22% +14.6% YoY +118.7% QoQ	-0.34%	0.57% +7.6% YoY	2.21% +12.7% YoY	0.66% +5.2% YoY	57%

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	16.6% +2.6pp YoY +3.2pp QoQ	-5.5pp	22.1%	18.9%	22.2%	30%
Brokered Deposits	5.7% -7.1pp YoY -1.3pp QoQ	-2.2pp	7.9%	9.2%	8.5%	57%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
C&I	6.0% +0.7pp YoY +0.8pp QoQ	-5.6pp	11.6%	10.5%	12.5%	25%
CRE	69.8% -5.4pp YoY -2.8pp QoQ	+30.2pp	39.5%	46.4%	41.4%	93%
1-4 Family	21.6% +2.2pp YoY +0.6pp QoQ	-11.0pp	32.6%	32.3%	31.3%	34%
Consumer	0.8% +0.1pp YoY +0.2pp QoQ	-3.4pp	4.1%	2.6%	5.0%	22%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
CET1 Ratio	13.3% +0.8pp YoY +1.6pp QoQ	-5.6pp	18.8%	15.5%	19.7%	31%
Leverage Ratio	10.0% -0.4pp YoY +0.6pp QoQ	-2.2pp	12.2%	12.6%	12.6%	31%
Total Capital Ratio	14.5% +0.8pp YoY +1.6pp QoQ	-5.4pp	19.9%	16.6%	20.8%	32%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Full-Time Employees	113 +18 (+18.9%) YoY +20 (+21.5%) QoQ	+54	58	134	482	91%
Assets per Employee ($)	$7.4M -2.1% YoY -3.4% QoQ	-$74K	$7.5M	$8.2M	$8.8M	60%
Branch Count	8 +3 (+60.0%) YoY +4 (+100.0%) QoQ	+3	4	9	18	82%

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	0.1% 0.0pp QoQ	-0.9pp	0.9%	0.9%	1.0%	15%
Allowance Coverage	18.33x -93.1% YoY -30.6% QoQ	-5.82x	24.15x	56.89x	20.23x	88%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.0%	0.2%	28%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
ROE	6.4% +2.7pp YoY +1.7pp QoQ	-5.8pp	12.2%	11.8%	11.6%	18%
Cost of Funds (YTD)	2.2% -0.5pp YoY -0.3pp QoQ	+0.4pp	1.7%	1.8%	1.7%	79%
Net Income ($, YTD)	$2.7M +100.7% YoY — QoQ	+$106K	$2.6M	$7.9M	$40.4M	64%

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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 (1)

Credit Quality Leader

growth

#11 of 659 • Top 1.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.07%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk

#148 of 1256 • Bottom 11.7% in tier

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

Why this signature

Delinquency Rate: 0.07%

(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).

Compare against:

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

Top Strengths (5 metrics)

148

Total Deposits

size

Value: $719.48M

Peer Median: $326.73M

#148 of 2643 Top 5.6% in $100M-$1B

160

Total Assets

size

Value: $841.18M

Peer Median: $386.57M

#160 of 2643 Top 6.0% in $100M-$1B

169

Total Loans

size

Value: $594.00M

Peer Median: $258.35M

#169 of 2643 Top 6.4% in $100M-$1B

568

Nonperforming Asset Ratio

credit_quality

Value: 0.05%

Peer Median: 0.67%

#568 of 2643 Top 21.5% in $100M-$1B

608

Delinquency Rate

credit_quality

Value: 0.07%

Peer Median: 0.92%

#608 of 2633 Top 23.1% in $100M-$1B

Top Weaknesses (3 metrics)

2444

Net Interest Margin

profitability

Value: 2.89%

Peer Median: 3.99%

#2444 of 2643 Bottom 7.6% in $100M-$1B

2221

Return on Assets

profitability

Value: 0.63%

Peer Median: 1.32%

#2221 of 2643 Bottom 16.0% in $100M-$1B

2212

Efficiency Ratio

profitability

Value: 77.90%

Peer Median: 64.48%

#2212 of 2643 Bottom 16.3% in $100M-$1B