BlastPoint's Banking Scorecard
The International Bank of Amherst
Amherst, 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 +2.6% year over year ($88.9M on the books).
- Delinquency rate 0.00%.
- Return on assets 2.14%.
- Efficiency ratio 46.79% vs a 64.48% peer average.
- Loan-to-deposit ratio 59.67% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The International Bank of Amherst demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 30.0% in tier
- + Nonperforming Asset Ratio 0.67% below tier average
- + ROA 0.82% above tier average
- + Efficiency Ratio 17.69% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$103.6M
+2.9% YoY
+3.5% QoQ
|
-$283.0M |
$386.6M
+1.2% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
Bottom 0.8% in tier |
| Total Loans ? |
$53.1M
+9.0% YoY
+3.6% QoQ
|
-$205.3M |
$258.3M
+1.7% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
Bottom 3.3% in tier |
| Total Deposits ? |
$88.9M
+2.6% YoY
+3.8% QoQ
|
-$237.8M |
$326.7M
+0.7% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
Bottom 2.3% in tier |
| Return on Assets ? |
2.14%
+2.0% YoY
-8.0% QoQ
|
+0.82% |
1.32%
+10.8% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
Top 10.3% in tier |
| Net Interest Margin ? |
3.95%
+2.3% YoY
-0.6% QoQ
|
-0.04% |
3.99%
+5.0% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
51% |
| Efficiency Ratio ? |
46.79%
+2.5% YoY
+8.4% QoQ
|
-17.69% |
64.48%
-3.2% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
Top 11.4% in tier |
| Delinquency Rate ? | 0.00% | -0.92% |
0.92%
+15.7% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
59.67%
+6.2% YoY
-0.2% QoQ
|
-18.29% |
77.95%
+1.0% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
22.78%
-18.9% YoY
-8.6% QoQ
|
+0.75% |
22.03%
-0.6% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
59% |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+16.4% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
14.42%
+1.6% YoY
+3.1% QoQ
|
-1.49% |
15.91%
+1.4% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.11%
-0.1% YoY
+77.5% QoQ
|
-0.46% |
0.57%
+7.6% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
21% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
22.8%
-5.3pp YoY -2.2pp QoQ |
+0.6pp | 22.1% | 18.9% | 22.2% | 58% |
| 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 |
9.7%
-0.8pp YoY +0.4pp QoQ |
-1.8pp | 11.6% | 10.5% | 12.5% | 51% |
| CRE |
27.6%
-0.7pp YoY +0.5pp QoQ |
-11.9pp | 39.5% | 46.4% | 41.4% | 31% |
| 1-4 Family |
36.8%
+0.2pp YoY -0.8pp QoQ |
+4.2pp | 32.6% | 32.3% | 31.3% | 65% |
| Consumer |
0.5%
-0.2pp YoY 0.0pp QoQ |
-3.6pp | 4.1% | 2.6% | 5.0% | 16% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.5% | 19.7% | n/a |
| Leverage Ratio |
14.4%
+0.2pp YoY +0.4pp QoQ |
+2.2pp | 12.2% | 12.6% | 12.6% | 84% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
12
0 YoY 0 QoQ |
-47 | 58 | 134 | 482 | 2% |
| Assets per Employee ($) |
$8.6M
+2.9% YoY +3.5% QoQ |
+$1.1M | $7.5M | $8.2M | $8.8M | 76% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 9 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.9% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 56.89x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.0% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.3%
0.0pp YoY -1.3pp QoQ |
+3.1pp | 12.2% | 11.8% | 11.6% | 69% |
| Cost of Funds (YTD) |
1.0%
+0.1pp YoY 0.0pp QoQ |
-0.7pp | 1.7% | 1.8% | 1.7% | 11% |
| Net Income ($, YTD) |
$1.1M
+5.3% YoY — QoQ |
-$1.5M | $2.6M | $7.9M | $40.4M | 30% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.