BlastPoint's Banking Scorecard
Bank of Prairie du Sac
Prairie Du Sac, WI
2 branches across WI
Bank of Prairie du Sac has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 21.1% in tier
- + Efficiency Ratio 23.71% below tier average
- + ROA 0.20% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 1.5% in tier
- - Credit Risk Growth: Bottom 6.1% in tier
- - NIB Deposit Bleed: Bottom 49.0% in tier
- - Net Interest Margin 1.03% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$755.3M
+23.1% YoY
-0.7% QoQ
|
+$369.2M |
$386.1M
+0.5% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
Top 10.2% in tier |
| Total Loans ? |
$376.6M
+3.7% YoY
+0.1% QoQ
|
+$120.9M |
$255.7M
+1.1% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
77% |
| Total Deposits ? |
$654.4M
+25.0% YoY
-0.9% QoQ
|
+$326.4M |
$328.0M
+0.1% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
Top 9.3% in tier |
| Return on Assets ? |
1.47%
-6.7% YoY
+0.5% QoQ
|
+0.20% |
1.27%
+12.9% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
66% |
| Net Interest Margin ? |
2.90%
-7.4% YoY
-4.7% QoQ
|
-1.03% |
3.93%
+6.0% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
Bottom 8.4% in tier |
| Efficiency Ratio ? |
41.57%
+0.6% YoY
-8.1% QoQ
|
-23.71% |
65.29%
-4.5% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
Top 5.5% in tier |
| Delinquency Rate ? |
0.01%
-0.1% QoQ
|
-0.88% |
0.89%
+18.8% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
Top 13.6% in tier |
| Loan-to-Deposit Ratio ? |
57.55%
-17.0% YoY
+1.1% QoQ
|
-19.09% |
76.64%
+0.8% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
13.88%
-17.9% YoY
-5.2% QoQ
|
-8.14% |
22.02%
-1.0% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
20% |
| Nonperforming Asset Ratio ? |
0.00%
+0.7% QoQ
|
-0.63% |
0.64%
+19.7% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
Top 12.2% in tier |
| Tier 1 Capital Ratio ? |
22.19%
+3.5% YoY
+3.2% QoQ
|
+6.36% |
15.83%
+1.5% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
Top 9.8% in tier |
| Non-Interest Income / Assets ? |
0.06%
-11.3% YoY
-74.4% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
26% |
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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 (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.