BlastPoint's Banking Scorecard

The Bank of Kaukauna

$100M-$1B Specialty: Commercial WI FDIC cert 15228

Kaukauna, WI

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

The Bank of Kaukauna has 4 strengths but faces 6 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 15.0% in tier
+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ Net Interest Margin 0.11% above tier average

Key Concerns

Areas that may need attention

- Capital Constraint: Bottom 12.0% in tier
- Flatlined Growth: Bottom 14.3% in tier
- Capital Thin: Bottom 15.5% in tier
- Margin Compression: Bottom 15.7% in tier
- Deposit Outflow: Bottom 21.9% in tier
- Efficiency Ratio 12.85% above 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 ?	$166.9M -2.0% YoY -11.3% QoQ	-$219.2M	$386.1M +0.5% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	19%
Total Loans ?	$125.0M +7.2% YoY +2.4% QoQ	-$130.7M	$255.7M +1.1% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	28%
Total Deposits ?	$144.2M -3.0% YoY -12.8% QoQ	-$183.7M	$328.0M +0.1% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	20%
Return on Assets ?	0.95% -12.2% YoY -13.7% QoQ	-0.32%	1.27% +12.9% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	35%
Net Interest Margin ?	4.04% +9.1% YoY +3.8% QoQ	+0.11%	3.93% +6.0% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	59%
Efficiency Ratio ?	78.14% +8.9% YoY +5.8% QoQ	+12.85%	65.29% -4.5% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	18%
Delinquency Rate ?	0.00% -100.0% YoY	-0.89%	0.89% +18.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	86.68% +10.5% YoY +17.5% QoQ	+10.04%	76.64% +0.8% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	31%
Non-Interest-Bearing Deposit Share ?	22.41% -6.0% YoY -1.0% QoQ	+0.39%	22.02% -1.0% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	56%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.64%	0.64% +19.7% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	11.11% +3.2% YoY +5.9% QoQ	-4.72%	15.83% +1.5% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	24%
Non-Interest Income / Assets ?	0.52% -2.1% YoY -72.7% QoQ	+0.24%	0.28% +9.3% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	Top 3.2% 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

#101 of 666 • Top 15.0% 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: 0.52%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 0.95%

(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 declining

Concerns (5)

Capital Constraint

risk

#14 of 108 • Bottom 12.0% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 86.68%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 11.11%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ

Flatlined Growth

risk

#74 of 512 • Bottom 14.3% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.95%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

Capital Thin

risk

#104 of 666 • Bottom 15.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 11.11%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Margin Compression

decline

#49 of 305 • Bottom 15.7% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 0.95%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Deposit Outflow

decline

#112 of 506 • Bottom 21.9% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 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 (3 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Non-Interest Income / Assets

revenue_mix

Value: 0.52%

Peer Median: 0.28%

#86 of 2664 Top 3.2% in $100M-$1B

Top Weaknesses (4 metrics)

2188

Efficiency Ratio

profitability

Value: 78.14%

Peer Median: 65.29%

#2188 of 2664 Bottom 17.9% in $100M-$1B

2167

Total Assets

size

Value: $166.91M

Peer Median: $386.08M

#2167 of 2664 Bottom 18.7% in $100M-$1B

2145

Total Deposits

size

Value: $144.25M

Peer Median: $327.97M

#2145 of 2664 Bottom 19.5% in $100M-$1B

2016

Tier 1 Capital Ratio

capital

Value: 11.11%

Peer Median: 15.83%

#2016 of 2664 Bottom 24.4% in $100M-$1B