BlastPoint

BlastPoint's Banking Scorecard

Bank of Prairie du Sac

$100M-$1B Specialty: Commercial WI FDIC cert 14660

Prairie Du Sac, WI

2 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 +16.7% year over year ($644.3M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.57%.
  • Efficiency ratio 40.58% vs a 64.48% peer average.
  • Loan-to-deposit ratio 60.23% 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 Prairie du Sac has 3 strengths but faces 3 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 26.2% in tier
  • + Efficiency Ratio 23.90% below tier average
  • + ROA 0.25% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 0.1% in tier
  • - Credit Risk Growth: Bottom 17.1% in tier
  • - Net Interest Margin 0.99% below tier average
Get updates when Bank of Prairie du Sac releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $744.5M
+15.7% YoY -1.4% QoQ
+$358.0M $386.6M
+1.2% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
Top 10.3% in tier
Total Loans ? $388.1M
+6.1% YoY +3.0% QoQ
+$129.7M $258.3M
+1.7% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
78%
Total Deposits ? $644.3M
+16.7% YoY -1.5% QoQ
+$317.6M $326.7M
+0.7% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
Top 9.8% in tier
Return on Assets ? 1.57%
-3.0% YoY +6.9% QoQ
+0.25% 1.32%
+10.8% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
69%
Net Interest Margin ? 3.00%
-5.8% YoY +3.4% QoQ
-0.99% 3.99%
+5.0% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
Bottom 9.9% in tier
Efficiency Ratio ? 40.58%
-3.4% YoY -2.4% QoQ
-23.90% 64.48%
-3.2% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
Top 4.5% in tier
Delinquency Rate ? 0.00%
-93.7% QoQ
-0.92% 0.92%
+15.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
Top 11.7% in tier
Loan-to-Deposit Ratio ? 60.23%
-9.1% YoY +4.7% QoQ
-17.72% 77.95%
+1.0% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
83%
Non-Interest-Bearing Deposit Share ? 14.92%
-4.4% YoY +7.5% QoQ
-7.11% 22.03%
-0.6% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
24%
Nonperforming Asset Ratio ? 0.00%
-93.5% QoQ
-0.67% 0.67%
+16.4% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
Top 10.7% in tier
Tier 1 Capital Ratio ? 21.84%
+3.6% YoY -1.6% QoQ
+5.93% 15.91%
+1.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
Top 10.7% in tier
Non-Interest Income / Assets ? 0.13%
-5.9% YoY +118.5% QoQ
-0.43% 0.57%
+7.6% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
28%

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 14.9%
-0.7pp YoY
+1.0pp QoQ
 -7.2pp 22.1% 18.9% 22.2% 24%
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%
-4.2pp YoY
-0.5pp QoQ
 +1.3pp 11.6% 10.5% 12.5% 68%
CRE 56.8%
+1.0pp YoY
-0.8pp QoQ
 +17.2pp 39.5% 46.4% 41.4% 81%
1-4 Family 16.2%
+0.5pp YoY
0.0pp QoQ
 -16.4pp 32.6% 32.3% 31.3% 22%
Consumer 0.8%
+0.4pp YoY
0.0pp QoQ
 -3.3pp 4.1% 2.6% 5.0% 24%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio 21.8%
+0.8pp YoY
-0.4pp QoQ
 +3.0pp 18.8% 15.5% 19.7% 83%
Leverage Ratio 13.7%
-1.2pp YoY
+0.2pp QoQ
 +1.5pp 12.2% 12.6% 12.6% 80%
Total Capital Ratio 23.0%
+0.7pp YoY
-0.4pp QoQ
 +3.1pp 19.9% 16.6% 20.8% 83%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 51
+1 (+2.0%) YoY
+1 (+2.0%) QoQ
 -8 58 134 482 54%
Assets per Employee ($) $14.6M
+13.4% YoY
-3.4% QoQ
 +$7.1M $7.5M $8.2M $8.8M 97%
Branch Count 2
0 YoY
0 QoQ
 -3 4 9 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Past Due 90+ Days 0.0% -0.3pp 0.3% 0.4% 0.4% 2%
Nonaccrual n/a n/a 0.9% 0.9% 1.0% n/a
Allowance Coverage 2692.50x
+1452.6% QoQ
 +2668.35x 24.15x 56.89x 20.23x 100%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.0% 0.2% 20%

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 12.5%
+0.2pp YoY
+0.6pp QoQ
 +0.3pp 12.2% 11.8% 11.6% 52%
Cost of Funds (YTD) 1.9%
0.0pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.8% 1.7% 64%
Net Income ($, YTD) $5.9M
+15.8% YoY
— QoQ
 +$3.4M $2.6M $7.9M $40.4M 92%

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
#174 of 659 • Top 26.2% in tier

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

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank declining

Concerns (2)

Credit Quality Pressure

risk
#1 of 1256 • Bottom 0.1% in tier

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

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#161 of 936 • Bottom 17.1% 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 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 (8 metrics)

120
Efficiency Ratio
profitability
Value: 40.58%
Peer Median: 64.48%
#120 of 2643 Top 4.5% in $100M-$1B
259
Total Deposits
size
Value: $644.31M
Peer Median: $326.73M
#259 of 2643 Top 9.8% in $100M-$1B
274
Total Assets
size
Value: $744.55M
Peer Median: $386.57M
#274 of 2643 Top 10.3% in $100M-$1B
283
Tier 1 Capital Ratio
capital
Value: 21.84%
Peer Median: 15.91%
#283 of 2643 Top 10.7% in $100M-$1B
284
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#284 of 2643 Top 10.7% in $100M-$1B
309
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#309 of 2633 Top 11.7% in $100M-$1B
463
Loan-to-Deposit Ratio
liquidity
Value: 60.23%
Peer Median: 77.95%
#463 of 2643 Top 17.5% in $100M-$1B
585
Total Loans
size
Value: $388.07M
Peer Median: $258.35M
#585 of 2643 Top 22.1% in $100M-$1B

Top Weaknesses (2 metrics)

2383
Net Interest Margin
profitability
Value: 3.00%
Peer Median: 3.99%
#2383 of 2643 Bottom 9.9% in $100M-$1B
2008
Non-Interest-Bearing Deposit Share
funding
Value: 14.92%
Peer Median: 22.03%
#2008 of 2643 Bottom 24.1% in $100M-$1B
Powered by BlastPoint © 2026