BlastPoint's Banking Scorecard

The International Bank of Amherst

$100M-$1B Specialty: Other WI FDIC cert 14907

Amherst, WI

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

The International Bank of Amherst demonstrates 4 strengths

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

+ Profitability Leader: Top 31.7% in tier
+ Credit Quality Leader: Top 32.7% in tier
+ Efficiency Ratio 22.12% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when The International Bank of Amherst releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$100.1M +2.1% YoY -3.8% QoQ	-$286.0M	$386.1M +0.5% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	Bottom 0.1% in tier
Total Loans ?	$51.2M +9.2% YoY -0.9% QoQ	-$204.5M	$255.7M +1.1% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	Bottom 3.1% in tier
Total Deposits ?	$85.7M +1.6% YoY -4.4% QoQ	-$242.3M	$328.0M +0.1% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	Bottom 1.5% in tier
Return on Assets ?	2.32% +11.2% YoY +9.2% QoQ	+1.05%	1.27% +12.9% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	Top 6.7% in tier
Net Interest Margin ?	3.98% +4.1% YoY +0.4% QoQ	+0.05%	3.93% +6.0% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	56%
Efficiency Ratio ?	43.16% -3.5% YoY -6.5% QoQ	-22.12%	65.29% -4.5% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	Top 6.8% in tier
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 ?	59.76% +7.5% YoY +3.6% QoQ	-16.87%	76.64% +0.8% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	82%
Non-Interest-Bearing Deposit Share ?	24.94% -10.8% YoY -9.4% QoQ	+2.92%	22.02% -1.0% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	66%
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 ?	13.99% +1.1% YoY -0.9% QoQ	-1.84%	15.83% +1.5% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	57%
Non-Interest Income / Assets ?	0.06% +6.7% YoY -69.8% QoQ	-0.22%	0.28% +9.3% 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 (2)

Profitability Leader

growth

#212 of 666 • Top 31.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.32%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Credit Quality Leader

growth

#218 of 664 • Top 32.7% 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

180

Return on Assets

profitability

Value: 2.32%

Peer Median: 1.27%

#180 of 2664 Top 6.7% in $100M-$1B

182

Efficiency Ratio

profitability

Value: 43.16%

Peer Median: 65.29%

#182 of 2664 Top 6.8% in $100M-$1B

483

Loan-to-Deposit Ratio

liquidity

Value: 59.76%

Peer Median: 76.64%

#483 of 2664 Top 18.1% in $100M-$1B

Top Weaknesses (3 metrics)

2664

Total Assets

size

Value: $100.12M

Peer Median: $386.08M

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

2625

Total Deposits

size

Value: $85.67M

Peer Median: $327.97M

#2625 of 2664 Bottom 1.5% in $100M-$1B

2582

Total Loans

size

Value: $51.20M

Peer Median: $255.72M

#2582 of 2664 Bottom 3.1% in $100M-$1B