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Great North Bank

$100M-$1B Specialty: Other WI FDIC cert 15146

Florence, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 110 in WI.
  • Deposits +28.9% year over year ($174.4M on the books).
  • Delinquency rate 1.41%.
  • Return on assets -0.86%.
  • Efficiency ratio 102.00% vs a 64.48% peer average.
  • Loan-to-deposit ratio 88.24% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 110 in WI
View $100M-$1B leaderboard (WI) →

Great North Bank has 2 strengths but faces 4 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

  • + Revenue Diversifier: Top 32.7% in tier
  • + Net Interest Margin 0.15% above tier average

Key Concerns

Areas that may need attention

  • - NIB Deposit Bleed: Bottom 35.8% in tier
  • - Efficiency Drag: Bottom 42.7% in tier
  • - Return on Assets 2.18% below tier average
  • - Delinquency Rate 0.49% above tier average
Get updates when Great North Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $233.4M
+28.4% YoY +5.2% QoQ
-$153.2M $386.6M
+1.2% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
34%
Total Loans ? $153.9M
+53.5% YoY +7.9% QoQ
-$104.5M $258.3M
+1.7% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
36%
Total Deposits ? $174.4M
+28.9% YoY +2.4% QoQ
-$152.3M $326.7M
+0.7% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
28%
Return on Assets ? -0.86%
-27.5% YoY +35.9% QoQ
-2.18% 1.32%
+10.8% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
Bottom 1.4% in tier
Net Interest Margin ? 4.14%
+6.7% YoY +14.3% QoQ
+0.15% 3.99%
+5.0% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
61%
Efficiency Ratio ? 102.00%
-7.5% YoY -4.9% QoQ
+37.52% 64.48%
-3.2% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
Bottom 2.1% in tier
Delinquency Rate ? 1.41%
-12.5% YoY -7.5% QoQ
+0.49% 0.92%
+15.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
20%
Loan-to-Deposit Ratio ? 88.24%
+19.1% YoY +5.4% QoQ
+10.29% 77.95%
+1.0% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
30%
Non-Interest-Bearing Deposit Share ? 10.60%
-20.6% YoY +5.3% QoQ
-11.43% 22.03%
-0.6% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
Bottom 11.7% in tier
Nonperforming Asset Ratio ? 0.96%
+3.1% YoY -3.9% QoQ
+0.29% 0.67%
+16.4% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
21%
Tier 1 Capital Ratio ? 12.99%
-15.5% YoY -8.8% QoQ
-2.92% 15.91%
+1.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
48%
Non-Interest Income / Assets ? 1.18%
+4.4% YoY +110.6% QoQ
+0.62% 0.57%
+7.6% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
Top 2.7% in tier

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 10.6%
-2.7pp YoY
+0.5pp QoQ
 -11.6pp 22.1% 18.9% 22.2% 11%
Brokered Deposits 15.7%
+2.6pp YoY
+3.1pp QoQ
 +7.9pp 7.9% 9.2% 8.5% 86%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
C&I 3.6%
-9.9pp YoY
-1.6pp QoQ
 -8.0pp 11.6% 10.5% 12.5% 12%
CRE 24.1%
-7.8pp YoY
-0.8pp QoQ
 -15.4pp 39.5% 46.4% 41.4% 25%
1-4 Family 66.2%
+25.5pp YoY
+3.8pp QoQ
 +33.6pp 32.6% 32.3% 31.3% 93%
Consumer 4.4%
-4.3pp YoY
-0.6pp QoQ
 +0.3pp 4.1% 2.6% 5.0% 74%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio 13.0%
-2.4pp YoY
-1.2pp QoQ
 -5.8pp 18.8% 15.5% 19.7% 28%
Leverage Ratio 8.8%
-1.7pp YoY
-0.6pp QoQ
 -3.3pp 12.2% 12.6% 12.6% 10%
Total Capital Ratio 13.9%
-2.5pp YoY
-1.1pp QoQ
 -6.1pp 19.9% 16.6% 20.8% 25%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 65
+13 (+25.0%) YoY
+4 (+6.6%) QoQ
 +6 58 134 482 67%
Assets per Employee ($) $3.6M
+2.7% YoY
-1.3% QoQ
 -$3.9M $7.5M $8.2M $8.8M 2%
Branch Count 3
0 YoY
0 QoQ
 -2 4 9 18 26%

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 1.5%
-0.2pp YoY
-0.1pp QoQ
 +0.5pp 0.9% 0.9% 1.0% 81%
Allowance Coverage 0.56x
-17.5% YoY
+25.3% QoQ
 -23.59x 24.15x 56.89x 20.23x 12%
Net Charge-off Rate (YTD) 1.1%
+1.1pp YoY
-0.7pp QoQ
 +1.0pp 0.1% 0.0% 0.2% 98%

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE -5.6%
-2.0pp YoY
+3.0pp QoQ
 -17.8pp 12.2% 11.8% 11.6% 2%
Cost of Funds (YTD) 3.0%
-0.2pp YoY
0.0pp QoQ
 +1.3pp 1.7% 1.8% 1.7% 98%
Net Income ($, YTD) $-963000.0
-60.2% YoY
— QoQ
 -$3.5M $2.6M $7.9M $40.4M 2%

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)

Revenue Diversifier

growth
#217 of 661 • Top 32.7% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 1.18%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: -0.86%
(Tier: 1.32%, National: 1.30%)
but worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (2)

NIB Deposit Bleed

decline
#59 of 162 • Bottom 35.8% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 10.60%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ

Efficiency Drag

risk
#155 of 361 • Bottom 42.7% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 102.00%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank declining

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

73
Non-Interest Income / Assets
revenue_mix
Value: 1.18%
Peer Median: 0.57%
#73 of 2643 Top 2.7% in $100M-$1B

Top Weaknesses (5 metrics)

2608
Return on Assets
profitability
Value: -0.86%
Peer Median: 1.32%
#2608 of 2643 Bottom 1.4% in $100M-$1B
2588
Efficiency Ratio
profitability
Value: 102.00%
Peer Median: 64.48%
#2588 of 2643 Bottom 2.1% in $100M-$1B
2335
Non-Interest-Bearing Deposit Share
funding
Value: 10.60%
Peer Median: 22.03%
#2335 of 2643 Bottom 11.7% in $100M-$1B
2118
Delinquency Rate
credit_quality
Value: 1.41%
Peer Median: 0.92%
#2118 of 2633 Bottom 19.6% in $100M-$1B
2081
Nonperforming Asset Ratio
credit_quality
Value: 0.96%
Peer Median: 0.67%
#2081 of 2643 Bottom 21.3% in $100M-$1B
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