BlastPoint's Banking Scorecard
The Bank of Kaukauna
Kaukauna, 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 +6.8% year over year ($152.9M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.11%.
- Efficiency ratio 74.96% vs a 64.48% peer average.
- Loan-to-deposit ratio 85.43% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Bank of Kaukauna has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 12.9% in tier
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + Net Interest Margin 0.16% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.22% below tier average
- - Efficiency Ratio 10.48% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$176.3M
+6.8% YoY
+5.6% QoQ
|
-$210.3M |
$386.6M
+1.2% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
21% |
| Total Loans ? |
$130.6M
+12.2% YoY
+4.5% QoQ
|
-$127.7M |
$258.3M
+1.7% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
29% |
| Total Deposits ? |
$152.9M
+6.8% YoY
+6.0% QoQ
|
-$173.8M |
$326.7M
+0.7% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
22% |
| Return on Assets ? |
1.11%
+0.6% YoY
+16.5% QoQ
|
-0.22% |
1.32%
+10.8% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
41% |
| Net Interest Margin ? |
4.15%
+9.3% YoY
+2.8% QoQ
|
+0.16% |
3.99%
+5.0% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
62% |
| Efficiency Ratio ? |
74.96%
+3.5% YoY
-4.1% QoQ
|
+10.48% |
64.48%
-3.2% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
20% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.92% |
0.92%
+15.7% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
85.43%
+5.0% YoY
-1.4% QoQ
|
+7.48% |
77.95%
+1.0% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
27.17%
+10.3% YoY
+21.2% QoQ
|
+5.14% |
22.03%
-0.6% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.67% |
0.67%
+16.4% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
10.70%
-4.6% YoY
-3.7% QoQ
|
-5.21% |
15.91%
+1.4% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
19% |
| Non-Interest Income / Assets ? |
1.08%
-4.5% YoY
+107.8% QoQ
|
+0.51% |
0.57%
+7.6% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
Top 3.0% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
27.2%
+2.5pp YoY +4.8pp QoQ |
+5.0pp | 22.1% | 18.9% | 22.2% | 73% |
| 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 |
24.9%
-1.0pp YoY +1.9pp QoQ |
+13.3pp | 11.6% | 10.5% | 12.5% | 93% |
| CRE |
54.9%
+0.7pp YoY -0.6pp QoQ |
+15.4pp | 39.5% | 46.4% | 41.4% | 78% |
| 1-4 Family |
21.2%
+0.3pp YoY -1.4pp QoQ |
-11.4pp | 32.6% | 32.3% | 31.3% | 32% |
| Consumer |
0.1%
0.0pp YoY 0.0pp QoQ |
-4.1pp | 4.1% | 2.6% | 5.0% | 4% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
10.7%
-0.5pp YoY -0.4pp QoQ |
-8.1pp | 18.8% | 15.5% | 19.7% | 6% |
| Leverage Ratio |
8.9%
+0.3pp YoY +0.4pp QoQ |
-3.3pp | 12.2% | 12.6% | 12.6% | 11% |
| Total Capital Ratio |
11.7%
-0.6pp YoY -0.5pp QoQ |
-8.2pp | 19.9% | 16.6% | 20.8% | 5% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
45
+3 (+7.1%) YoY -1 (-2.2%) QoQ |
-14 | 58 | 134 | 482 | 47% |
| Assets per Employee ($) |
$3.9M
-0.3% YoY +8.0% QoQ |
-$3.6M | $7.5M | $8.2M | $8.8M | 4% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 9 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.9% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 56.89x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp QoQ |
-0.1pp | 0.1% | 0.0% | 0.2% | 70% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.9%
-0.6pp YoY +1.8pp QoQ |
+1.7pp | 12.2% | 11.8% | 11.6% | 62% |
| Cost of Funds (YTD) |
1.6%
-0.4pp YoY -0.1pp QoQ |
-0.1pp | 1.7% | 1.8% | 1.7% | 42% |
| Net Income ($, YTD) |
$979,000
+6.6% YoY — QoQ |
-$1.6M | $2.6M | $7.9M | $40.4M | 26% |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.