BlastPoint's Banking Scorecard
Bank of Sun Prairie
Sun Prairie, WI
8 branches across WI
Bank of Sun Prairie has 1 strength but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 12.5% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 2.8% in tier
- - Liquidity Strain: Bottom 12.9% in tier
- - Deposit Outflow: Bottom 30.4% in tier
- - Efficiency Drag: Bottom 39.6% in tier
- - Capital Constraint: Bottom 42.6% in tier
- - Net Interest Margin 1.25% below tier average
- - ROA 0.84% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$716.6M
-2.2% YoY
-1.4% QoQ
|
+$330.5M |
$386.1M
+0.5% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
Top 11.8% in tier |
| Total Loans ? |
$582.7M
-3.6% YoY
+0.4% QoQ
|
+$327.0M |
$255.7M
+1.1% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
Top 6.6% in tier |
| Total Deposits ? |
$587.5M
-5.8% YoY
-3.4% QoQ
|
+$259.6M |
$328.0M
+0.1% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
Top 13.1% in tier |
| Return on Assets ? |
0.43%
+56.2% YoY
-12.5% QoQ
|
-0.84% |
1.27%
+12.9% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
Bottom 11.4% in tier |
| Net Interest Margin ? |
2.68%
+22.4% YoY
+7.0% QoQ
|
-1.25% |
3.93%
+6.0% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
Bottom 5.1% in tier |
| Efficiency Ratio ? |
82.67%
-5.1% YoY
+4.3% QoQ
|
+17.39% |
65.29%
-4.5% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 12.5% in tier |
| Delinquency Rate ? |
0.05%
+3.7% YoY
-0.4% QoQ
|
-0.84% |
0.89%
+18.8% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
99.17%
+2.4% YoY
+4.0% QoQ
|
+22.53% |
76.64%
+0.8% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 9.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.37%
+5.3% YoY
+0.9% QoQ
|
-8.65% |
22.02%
-1.0% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.04%
+2.3% YoY
+1.4% QoQ
|
-0.60% |
0.64%
+19.7% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
80% |
| Tier 1 Capital Ratio ? |
11.64%
-6.4% YoY
-0.9% QoQ
|
-4.19% |
15.83%
+1.5% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.10%
+8.7% YoY
-74.4% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
53% |
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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 (5)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.