BlastPoint's Banking Scorecard

National Bank of Commerce

$1B-$10B Specialty: Commercial WI FDIC cert 14266

Designations: ✓ Community bank

Superior, WI

21 branches across MN · WI

884 banks in the $1B-$10B peer group nationally 28 in WI

National Bank of Commerce has 4 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

+ ROA 0.38% above tier average
+ Net Interest Margin 0.48% above tier average
+ Efficiency Ratio 9.03% below tier average
+ Delinquency Rate 0.31% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 8.4% in tier
- Capital Thin: Bottom 37.6% in tier

Get updates when National Bank of Commerce releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$2.2B +5.0% YoY -0.1% QoQ	-$610.0M	$2.8B -0.1% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	55%
Total Loans ?	$1.7B +2.0% YoY +1.2% QoQ	-$296.0M	$2.0B +0.6% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	59%
Total Deposits ?	$1.8B +2.0% YoY -0.3% QoQ	-$502.5M	$2.3B -0.3% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	55%
Return on Assets ?	1.75% +7.4% YoY -5.2% QoQ	+0.38%	1.37% +19.6% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	82%
Net Interest Margin ?	4.30% +8.1% YoY +2.1% QoQ	+0.48%	3.82% +6.9% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	82%
Efficiency Ratio ?	52.03% -4.6% YoY +1.2% QoQ	-9.03%	61.06% -4.6% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	73%
Delinquency Rate ?	0.58% -8.0% YoY +23.4% QoQ	-0.31%	0.89% +14.1% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	48%
Loan-to-Deposit Ratio ?	90.66% +0.0% YoY +1.5% QoQ	+6.45%	84.20% +0.3% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	35%
Non-Interest-Bearing Deposit Share ?	18.49% -8.8% YoY +0.6% QoQ	-2.80%	21.29% -2.5% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	43%
Nonperforming Asset Ratio ?	0.47% -6.2% YoY +23.5% QoQ	-0.21%	0.67% +15.6% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	47%
Tier 1 Capital Ratio ?	10.78% +6.0% YoY +0.7% QoQ	-4.38%	15.16% +2.0% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	Bottom 13.5% in tier
Non-Interest Income / Assets ?	0.09% -14.4% YoY -80.5% QoQ	-0.17%	0.26% +1.6% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	26%

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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 (2)

Liquidity Strain

risk

#29 of 334 • Bottom 8.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 90.66%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ

Capital Thin

risk

#84 of 221 • Bottom 37.6% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.78%

(Tier: 15.16%, National: 17.06%)

worse than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 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 884 peers in $1B-$10B

Top Strengths (2 metrics)

156

Net Interest Margin

profitability

Value: 4.30%

Peer Median: 3.82%

#156 of 884 Top 17.5% in $1B-$10B

160

Return on Assets

profitability

Value: 1.75%

Peer Median: 1.37%

#160 of 884 Top 18.0% in $1B-$10B

Top Weaknesses (1 metrics)

766

Tier 1 Capital Ratio

capital

Value: 10.78%

Peer Median: 15.16%

#766 of 884 Bottom 13.5% in $1B-$10B