BlastPoint's Banking Scorecard
The Peoples Community Bank
Mazomanie, WI
6 branches across WI
The Peoples Community Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 46.2% in tier
- + ROA 0.22% above tier average
- + Efficiency Ratio 7.89% below tier average
- + Delinquency Rate 0.89% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.30% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$393.8M
+4.7% YoY
-0.0% QoQ
|
+$7.7M |
$386.1M
+0.5% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
60% |
| Total Loans ? |
$241.3M
+9.7% YoY
+2.1% QoQ
|
-$14.4M |
$255.7M
+1.1% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
58% |
| Total Deposits ? |
$344.7M
+3.5% YoY
-0.2% QoQ
|
+$16.7M |
$328.0M
+0.1% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
62% |
| Return on Assets ? |
1.49%
+18.7% YoY
+15.9% QoQ
|
+0.22% |
1.27%
+12.9% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
67% |
| Net Interest Margin ? |
3.63%
+11.4% YoY
+3.5% QoQ
|
-0.30% |
3.93%
+6.0% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
37% |
| Efficiency Ratio ? |
57.39%
-4.7% YoY
-5.2% QoQ
|
-7.89% |
65.29%
-4.5% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
67% |
| Delinquency Rate ? |
0.00%
-98.8% YoY
|
-0.89% |
0.89%
+18.8% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
Top 11.7% in tier |
| Loan-to-Deposit Ratio ? |
70.00%
+6.0% YoY
+2.2% QoQ
|
-6.64% |
76.64%
+0.8% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
23.66%
+6.3% YoY
-0.9% QoQ
|
+1.64% |
22.02%
-1.0% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
61% |
| Nonperforming Asset Ratio ? |
0.00%
-98.7% YoY
|
-0.64% |
0.64%
+19.7% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
Top 11.0% in tier |
| Tier 1 Capital Ratio ? |
12.59%
-1.0% YoY
-0.7% QoQ
|
-3.24% |
15.83%
+1.5% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.22%
+2.1% YoY
-74.5% QoQ
|
-0.06% |
0.28%
+9.3% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
Top 11.2% in tier |
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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)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.