BlastPoint's Banking Scorecard

State Bank of Reeseville

$100M-$1B Specialty: Agricultural WI FDIC cert 14960

Reeseville, WI

3 branches across WI

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

State Bank of Reeseville 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 32.8% in tier
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 18.0% in tier
- Net Interest Margin 1.42% below tier average
- Efficiency Ratio 26.73% above tier average
- Non-Interest Income / Assets 0.25% below tier average
- ROA 0.30% below tier average

Get updates when State Bank of Reeseville releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$157.9M +3.1% YoY -6.9% QoQ	-$228.2M	$386.1M +0.5% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	17%
Total Loans ?	$82.3M +11.1% YoY +3.5% QoQ	-$173.4M	$255.7M +1.1% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	Bottom 12.2% in tier
Total Deposits ?	$132.5M +7.3% YoY -0.8% QoQ	-$195.5M	$328.0M +0.1% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	16%
Return on Assets ?	0.97% +80.9% YoY +14.5% QoQ	-0.30%	1.27% +12.9% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	36%
Net Interest Margin ?	2.51% +6.1% YoY +4.2% QoQ	-1.42%	3.93% +6.0% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	Bottom 3.4% in tier
Efficiency Ratio ?	92.02% +19.5% YoY +36.5% QoQ	+26.73%	65.29% -4.5% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	Bottom 5.1% 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 ?	62.16% +3.5% YoY +4.3% QoQ	-14.48%	76.64% +0.8% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	79%
Non-Interest-Bearing Deposit Share ?	17.93% -6.6% YoY -1.6% QoQ	-4.09%	22.02% -1.0% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	36%
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 ?	9.36% -1.3% YoY +2.8% QoQ	-6.48%	15.83% +1.5% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	Bottom 2.9% in tier
Non-Interest Income / Assets ?	0.03% +18.6% YoY -92.8% QoQ	-0.25%	0.28% +9.3% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	Bottom 7.0% 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

#219 of 664 • Top 32.8% 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 (1)

Capital Thin

risk

#121 of 666 • Bottom 18.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.36%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

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 (3 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

572

Loan-to-Deposit Ratio

liquidity

Value: 62.16%

Peer Median: 76.64%

#572 of 2664 Top 21.4% in $100M-$1B

Top Weaknesses (7 metrics)

2587

Tier 1 Capital Ratio

capital

Value: 9.36%

Peer Median: 15.83%

#2587 of 2664 Bottom 2.9% in $100M-$1B

2575

Net Interest Margin

profitability

Value: 2.51%

Peer Median: 3.93%

#2575 of 2664 Bottom 3.4% in $100M-$1B

2528

Efficiency Ratio

profitability

Value: 92.02%

Peer Median: 65.29%

#2528 of 2664 Bottom 5.1% in $100M-$1B

2479

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2479 of 2664 Bottom 7.0% in $100M-$1B

2341

Total Loans

size

Value: $82.33M

Peer Median: $255.72M

#2341 of 2664 Bottom 12.2% in $100M-$1B

2234

Total Deposits

size

Value: $132.46M

Peer Median: $327.97M

#2234 of 2664 Bottom 16.2% in $100M-$1B

2218

Total Assets

size

Value: $157.86M

Peer Median: $386.08M

#2218 of 2664 Bottom 16.8% in $100M-$1B