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Black River Country Bank

$100M-$1B Specialty: Agricultural WI FDIC cert 15152

Black River Falls, WI

2 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 +2.5% year over year ($85.2M on the books).
  • Delinquency rate 0.29%.
  • Return on assets 1.38%.
  • Efficiency ratio 65.01% vs a 64.48% peer average.
  • Loan-to-deposit ratio 92.24% 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) →

Black River Country Bank has 3 strengths but faces 3 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

  • + ROA 0.06% above tier average
  • + Net Interest Margin 0.12% above tier average
  • + Delinquency Rate 0.63% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 20.7% in tier
  • - NIB Deposit Bleed: Bottom 61.7% in tier
  • - Efficiency Ratio 0.53% above tier average
Get updates when Black River Country 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 ? $101.8M
+1.6% YoY +1.0% QoQ
-$284.8M $386.6M
+1.2% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
Bottom 0.4% in tier
Total Loans ? $78.6M
+4.2% YoY +1.6% QoQ
-$179.7M $258.3M
+1.7% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
Bottom 9.9% in tier
Total Deposits ? $85.2M
+2.5% YoY -0.2% QoQ
-$241.5M $326.7M
+0.7% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
Bottom 1.6% in tier
Return on Assets ? 1.38%
+17.5% YoY +5.6% QoQ
+0.06% 1.32%
+10.8% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
58%
Net Interest Margin ? 4.11%
+5.5% YoY +0.4% QoQ
+0.12% 3.99%
+5.0% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
60%
Efficiency Ratio ? 65.01%
-2.6% YoY -2.4% QoQ
+0.53% 64.48%
-3.2% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
42%
Delinquency Rate ? 0.29%
-32.9% YoY -4.1% QoQ
-0.63% 0.92%
+15.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
58%
Loan-to-Deposit Ratio ? 92.24%
+1.7% YoY +1.8% QoQ
+14.29% 77.95%
+1.0% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
22%
Non-Interest-Bearing Deposit Share ? 17.99%
-15.1% YoY -0.9% QoQ
-4.04% 22.03%
-0.6% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
36%
Nonperforming Asset Ratio ? 0.22%
-31.1% YoY -3.6% QoQ
-0.44% 0.67%
+16.4% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
58%
Tier 1 Capital Ratio ? 12.26%
-4.2% YoY -1.3% QoQ
-3.65% 15.91%
+1.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
39%
Non-Interest Income / Assets ? 0.13%
+3.3% YoY +101.1% QoQ
-0.44% 0.57%
+7.6% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
27%

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 18.0%
-3.2pp YoY
-0.2pp QoQ
 -4.2pp 22.1% 18.9% 22.2% 36%
Brokered Deposits n/a n/a 7.9% 9.2% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
C&I 5.6%
+1.3pp YoY
+0.7pp QoQ
 -6.0pp 11.6% 10.5% 12.5% 23%
CRE 19.6%
+3.6pp YoY
+2.1pp QoQ
 -19.9pp 39.5% 46.4% 41.4% 17%
1-4 Family 40.3%
-2.4pp YoY
-0.8pp QoQ
 +7.7pp 32.6% 32.3% 31.3% 71%
Consumer 4.8%
-0.4pp YoY
-0.1pp QoQ
 +0.7pp 4.1% 2.6% 5.0% 76%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio 12.3%
-0.5pp YoY
-0.2pp QoQ
 -6.6pp 18.8% 15.5% 19.7% 20%
Leverage Ratio 8.9%
-0.3pp YoY
+0.1pp QoQ
 -3.2pp 12.2% 12.6% 12.6% 11%
Total Capital Ratio 13.5%
-0.5pp YoY
-0.2pp QoQ
 -6.4pp 19.9% 16.6% 20.8% 22%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 21
+2 (+10.5%) YoY
+1 (+5.0%) QoQ
 -38 58 134 482 12%
Assets per Employee ($) $4.8M
-8.1% YoY
-3.8% QoQ
 -$2.7M $7.5M $8.2M $8.8M 12%
Branch Count 2
0 YoY
0 QoQ
 -3 4 9 18 11%

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 0.3%
-0.1pp YoY
0.0pp QoQ
 -0.6pp 0.9% 0.9% 1.0% 37%
Allowance Coverage 5.52x
+49.4% YoY
+3.9% QoQ
 -18.64x 24.15x 56.89x 20.23x 72%
Net Charge-off Rate (YTD) 0.0% -0.1pp 0.1% 0.0% 0.2% 39%

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 18.6%
+1.4pp YoY
+0.8pp QoQ
 +6.4pp 12.2% 11.8% 11.6% 84%
Cost of Funds (YTD) 1.6%
0.0pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.8% 1.7% 43%
Net Income ($, YTD) $703,000
+19.8% YoY
— QoQ
 -$1.9M $2.6M $7.9M $40.4M 16%

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 (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Strain

risk
#144 of 691 • Bottom 20.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 92.24%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

NIB Deposit Bleed

decline
#101 of 162 • Bottom 61.7% 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: 17.99%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

2634
Total Assets
size
Value: $101.76M
Peer Median: $386.57M
#2634 of 2643 Bottom 0.4% in $100M-$1B
2603
Total Deposits
size
Value: $85.25M
Peer Median: $326.73M
#2603 of 2643 Bottom 1.6% in $100M-$1B
2382
Total Loans
size
Value: $78.64M
Peer Median: $258.35M
#2382 of 2643 Bottom 9.9% in $100M-$1B
2073
Loan-to-Deposit Ratio
liquidity
Value: 92.24%
Peer Median: 77.95%
#2073 of 2643 Bottom 21.6% in $100M-$1B
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