BlastPoint's Banking Scorecard
Bank of Wisconsin Dells
Designations: ✓ Community bank
Wisconsin Dells, WI
3 branches across 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 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in WI.
- Deposits +11.8% year over year ($927.8M on the books).
- Delinquency rate 0.09%.
- Return on assets 1.75%.
- Efficiency ratio 39.66% vs a 59.73% peer average.
- Loan-to-deposit ratio 89.47% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Wisconsin Dells has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 20.07% below tier average
- + ROA 0.36% above tier average
- + Delinquency Rate 0.77% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.12% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+7.5% YoY
+0.6% QoQ
|
-$1.7B |
$2.8B
-0.6% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
Bottom 8.1% in tier |
| Total Loans ? |
$830.1M
+7.3% YoY
+3.1% QoQ
|
-$1.1B |
$2.0B
-0.3% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
16% |
| Total Deposits ? |
$927.8M
+11.8% YoY
+1.0% QoQ
|
-$1.4B |
$2.3B
-0.5% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
Bottom 10.7% in tier |
| Return on Assets ? |
1.75%
+14.8% YoY
-1.3% QoQ
|
+0.36% |
1.39%
+17.0% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
80% |
| Net Interest Margin ? |
3.75%
+9.3% YoY
+0.3% QoQ
|
-0.12% |
3.87%
+6.2% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
52% |
| Efficiency Ratio ? |
39.66%
-11.8% YoY
+5.2% QoQ
|
-20.07% |
59.73%
-12.6% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
Top 7.0% in tier |
| Delinquency Rate ? |
0.09%
-37.2% YoY
-6.7% QoQ
|
-0.77% |
0.87%
+11.7% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
Top 10.8% in tier |
| Loan-to-Deposit Ratio ? |
89.47%
-4.0% YoY
+2.0% QoQ
|
+4.43% |
85.04%
-0.1% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
15.70%
-8.5% YoY
-5.4% QoQ
|
-5.57% |
21.27%
-1.5% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
31% |
| Nonperforming Asset Ratio ? |
0.07%
-37.3% YoY
-4.4% QoQ
|
-0.60% |
0.67%
+11.7% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
Top 11.2% in tier |
| Tier 1 Capital Ratio ? |
12.97%
+2.7% YoY
+2.0% QoQ
|
-1.87% |
14.84%
-0.4% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.24%
+13.3% YoY
+103.1% QoQ
|
-0.29% |
0.53%
+2.5% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
39% |
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 |
15.7%
-1.5pp YoY -0.9pp QoQ |
-5.7pp | 21.4% | 18.9% | 22.2% | 30% |
| Brokered Deposits |
8.9%
+2.1pp YoY -0.1pp QoQ |
-0.5pp | 9.5% | 9.2% | 8.5% | 65% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.3%
-0.2pp YoY +0.1pp QoQ |
-8.7pp | 14.0% | 10.5% | 12.5% | 20% |
| CRE |
86.5%
-0.3pp YoY 0.0pp QoQ |
+36.5pp | 50.0% | 46.4% | 41.4% | 98% |
| 1-4 Family |
9.1%
+0.2pp YoY -0.2pp QoQ |
-17.3pp | 26.4% | 32.3% | 31.3% | 14% |
| Consumer |
0.1%
0.0pp YoY 0.0pp QoQ |
-4.6pp | 4.7% | 2.6% | 5.0% | 11% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.0%
+0.3pp YoY +0.2pp QoQ |
-2.6pp | 15.6% | 15.5% | 19.7% | 41% |
| Leverage Ratio |
12.1%
+0.4pp YoY +0.3pp QoQ |
+0.8pp | 11.3% | 12.6% | 12.6% | 78% |
| Total Capital Ratio |
14.2%
+0.3pp YoY +0.3pp QoQ |
-2.5pp | 16.7% | 16.6% | 20.8% | 42% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
98
+5 (+5.4%) YoY +6 (+6.5%) QoQ |
-216 | 313 | 134 | 482 | 6% |
| Assets per Employee ($) |
$11.0M
+2.0% YoY -5.5% QoQ |
+$538K | $10.5M | $8.2M | $8.8M | 72% |
| Branch Count |
3
0 YoY 0 QoQ |
-17 | 20 | 9 | 18 | 8% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.1%
-0.1pp YoY 0.0pp QoQ |
-0.7pp | 0.8% | 0.9% | 1.0% | 10% |
| Allowance Coverage |
18.58x
+61.4% YoY +4.8% QoQ |
-0.13x | 18.71x | 56.89x | 20.23x | 94% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.0% | 0.2% | 8% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.9%
+1.2pp YoY -0.4pp QoQ |
+3.3pp | 12.6% | 11.8% | 11.6% | 78% |
| Cost of Funds (YTD) |
2.3%
-0.2pp YoY 0.0pp QoQ |
+0.4pp | 1.9% | 1.8% | 1.7% | 79% |
| Net Income ($, YTD) |
$9.4M
+24.2% YoY — QoQ |
-$9.9M | $19.2M | $7.9M | $40.4M | 37% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.