BlastPoint's Banking Scorecard
Black River Country Bank
Black River Falls, WI
2 branches across WI
Black River Country Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.17% above tier average
- + Delinquency Rate 0.59% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 27.1% in tier
- - NIB Deposit Bleed: Bottom 61.1% in tier
- - Efficiency Ratio 1.32% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$100.7M
+3.0% YoY
-2.4% QoQ
|
-$285.3M |
$386.1M
+0.5% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
Bottom 0.4% in tier |
| Total Loans ? |
$77.4M
+6.9% YoY
+2.2% QoQ
|
-$178.3M |
$255.7M
+1.1% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
Bottom 10.0% in tier |
| Total Deposits ? |
$85.4M
+4.0% YoY
-3.4% QoQ
|
-$242.5M |
$328.0M
+0.1% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
Bottom 1.5% in tier |
| Return on Assets ? |
1.31%
+40.6% YoY
-1.1% QoQ
|
+0.04% |
1.27%
+12.9% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
56% |
| Net Interest Margin ? |
4.10%
+8.1% YoY
+2.5% QoQ
|
+0.17% |
3.93%
+6.0% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
63% |
| Efficiency Ratio ? |
66.60%
-6.0% YoY
+2.9% QoQ
|
+1.32% |
65.29%
-4.5% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
40% |
| Delinquency Rate ? |
0.30%
-15.4% YoY
-10.6% QoQ
|
-0.59% |
0.89%
+18.8% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
90.62%
+2.8% YoY
+5.8% QoQ
|
+13.99% |
76.64%
+0.8% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
18.14%
-15.4% YoY
-3.9% QoQ
|
-3.88% |
22.02%
-1.0% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
37% |
| Nonperforming Asset Ratio ? |
0.23%
-12.3% YoY
-6.3% QoQ
|
-0.41% |
0.64%
+19.7% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
56% |
| Tier 1 Capital Ratio ? |
12.43%
-5.7% YoY
+2.4% QoQ
|
-3.40% |
15.83%
+1.5% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.06%
+11.2% YoY
-75.5% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
28% |
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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 (2)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.