BlastPoint's Banking Scorecard

Great North Bank

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

Florence, WI

3 branches across WI

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

Great North Bank has 1 strength 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 32.9% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 10.1% in tier
- Credit Quality Pressure: Bottom 49.9% in tier
- Return on Assets 2.61% below tier average
- Net Interest Margin 0.31% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$221.8M +26.5% YoY +1.7% QoQ	-$164.3M	$386.1M +0.5% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	31%
Total Loans ?	$142.6M +61.9% YoY +7.5% QoQ	-$113.1M	$255.7M +1.1% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	34%
Total Deposits ?	$170.4M +28.2% YoY -1.2% QoQ	-$157.6M	$328.0M +0.1% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	27%
Return on Assets ?	-1.34% -246.3% YoY -704.2% QoQ	-2.61%	1.27% +12.9% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	Bottom 0.9% in tier
Net Interest Margin ?	3.62% -2.7% YoY -14.2% QoQ	-0.31%	3.93% +6.0% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	36%
Efficiency Ratio ?	107.25% -0.9% YoY +4.9% QoQ	+41.96%	65.29% -4.5% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	Bottom 1.6% in tier
Delinquency Rate ?	1.53% +5.1% YoY +8.1% QoQ	+0.64%	0.89% +18.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	18%
Loan-to-Deposit Ratio ?	83.71% +26.3% YoY +8.8% QoQ	+7.07%	76.64% +0.8% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	38%
Non-Interest-Bearing Deposit Share ?	10.06% -14.8% YoY -3.6% QoQ	-11.96%	22.02% -1.0% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	Bottom 10.9% in tier
Nonperforming Asset Ratio ?	1.00% +29.5% YoY +14.0% QoQ	+0.36%	0.64% +19.7% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	20%
Tier 1 Capital Ratio ?	14.24% -17.2% YoY +4.4% QoQ	-1.59%	15.83% +1.5% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	59%
Non-Interest Income / Assets ?	0.56% +5.7% YoY -68.8% QoQ	+0.28%	0.28% +9.3% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	Top 2.8% 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)

Revenue Diversifier

growth

#220 of 666 • Top 32.9% 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: 0.56%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: -1.34%

(Tier: 1.27%, National: 1.23%)

but worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (2)

Efficiency Drag

risk

#43 of 414 • Bottom 10.1% in tier

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

Why this signature

Efficiency Ratio: 107.25%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank improving

Credit Quality Pressure

risk

#653 of 1308 • Bottom 49.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 1.53%

(Tier: 0.89%, National: 0.95%)

worse than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

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 (1 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.56%

Peer Median: 0.28%

#75 of 2664 Top 2.8% in $100M-$1B

Top Weaknesses (5 metrics)

2642

Return on Assets

profitability

Value: -1.34%

Peer Median: 1.27%

#2642 of 2664 Bottom 0.9% in $100M-$1B

2623

Efficiency Ratio

profitability

Value: 107.25%

Peer Median: 65.29%

#2623 of 2664 Bottom 1.6% in $100M-$1B

2374

Non-Interest-Bearing Deposit Share

funding

Value: 10.06%

Peer Median: 22.02%

#2374 of 2664 Bottom 10.9% in $100M-$1B

2182

Delinquency Rate

credit_quality

Value: 1.53%

Peer Median: 0.89%

#2182 of 2654 Bottom 17.8% in $100M-$1B

2143

Nonperforming Asset Ratio

credit_quality

Value: 1.00%

Peer Median: 0.64%

#2143 of 2664 Bottom 19.6% in $100M-$1B