BlastPoint's Banking Scorecard

DMB Community Bank

$100M-$1B Specialty: Commercial WI FDIC cert 14769

Madison, WI

2 branches across WI

2664 banks in the $100M-$1B peer group nationally 113 in WI

DMB Community Bank has 2 strengths but faces 5 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 32.2% in tier
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 1.97% below tier average
- Loan-to-Deposit Ratio 36.97% above tier average
- Non-Interest-Bearing Deposit Share 12.81% below tier average
- ROA 0.72% below tier average
- Efficiency Ratio 4.22% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$830.9M +4.3% YoY +0.5% QoQ	+$444.8M	$386.1M +0.5% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	Top 6.9% in tier
Total Loans ?	$659.2M +2.1% YoY -1.0% QoQ	+$403.4M	$255.7M +1.1% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	Top 3.8% in tier
Total Deposits ?	$580.2M +5.7% YoY +0.6% QoQ	+$252.2M	$328.0M +0.1% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	Top 13.9% in tier
Return on Assets ?	0.55% +247.5% YoY +54.7% QoQ	-0.72%	1.27% +12.9% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	Bottom 14.2% in tier
Net Interest Margin ?	1.96% +48.9% YoY +25.0% QoQ	-1.97%	3.93% +6.0% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	Bottom 0.7% in tier
Efficiency Ratio ?	69.50% -22.7% YoY -7.1% QoQ	+4.22%	65.29% -4.5% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	33%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	113.61% -3.3% YoY -1.6% QoQ	+36.97%	76.64% +0.8% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	Bottom 1.9% in tier
Non-Interest-Bearing Deposit Share ?	9.21% -10.7% YoY -12.7% QoQ	-12.81%	22.02% -1.0% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	Bottom 9.3% in tier
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	15.91% -2.7% YoY -0.7% QoQ	+0.08%	15.83% +1.5% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	72%
Non-Interest Income / Assets ?	0.04% +0.4% YoY -73.6% QoQ	-0.24%	0.28% +9.3% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	Bottom 12.0% in tier

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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

#215 of 664 • Top 32.2% 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: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

101

Total Loans

size

Value: $659.16M

Peer Median: $255.72M

#101 of 2664 Top 3.8% in $100M-$1B

184

Total Assets

size

Value: $830.88M

Peer Median: $386.08M

#184 of 2664 Top 6.9% in $100M-$1B

371

Total Deposits

size

Value: $580.20M

Peer Median: $327.97M

#371 of 2664 Top 13.9% in $100M-$1B

Top Weaknesses (5 metrics)

2647

Net Interest Margin

profitability

Value: 1.96%

Peer Median: 3.93%

#2647 of 2664 Bottom 0.7% in $100M-$1B

2615

Loan-to-Deposit Ratio

liquidity

Value: 113.61%

Peer Median: 76.64%

#2615 of 2664 Bottom 1.9% in $100M-$1B

2418

Non-Interest-Bearing Deposit Share

funding

Value: 9.21%

Peer Median: 22.02%

#2418 of 2664 Bottom 9.3% in $100M-$1B

2345

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2345 of 2664 Bottom 12.0% in $100M-$1B

2287

Return on Assets

profitability

Value: 0.55%

Peer Median: 1.27%

#2287 of 2664 Bottom 14.2% in $100M-$1B