BlastPoint's Banking Scorecard
First Business Bank
Madison, WI
5 branches across WI · IN · KS
First Business Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 2.69% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.07% below tier average
- - Net Interest Margin 0.09% below tier average
- - Delinquency Rate 0.27% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.3B
+9.5% YoY
+5.9% QoQ
|
+$1.5B |
$2.8B
-0.1% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
82% |
| Total Loans ? |
$3.5B
+10.3% YoY
+3.9% QoQ
|
+$1.5B |
$2.0B
+0.6% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
Top 14.8% in tier |
| Total Deposits ? |
$3.6B
+10.0% YoY
+5.6% QoQ
|
+$1.2B |
$2.3B
-0.3% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
82% |
| Return on Assets ? |
1.29%
+1.5% YoY
-4.7% QoQ
|
-0.07% |
1.37%
+19.6% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
56% |
| Net Interest Margin ? |
3.73%
-1.3% YoY
-1.9% QoQ
|
-0.09% |
3.82%
+6.9% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
55% |
| Efficiency Ratio ? |
58.37%
+1.1% YoY
+2.4% QoQ
|
-2.69% |
61.06%
-4.6% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
54% |
| Delinquency Rate ? |
1.16%
+52.6% YoY
-11.1% QoQ
|
+0.27% |
0.89%
+14.1% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
97.59%
+0.3% YoY
-1.7% QoQ
|
+13.39% |
84.20%
+0.3% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
11.51%
-14.3% YoY
+2.5% QoQ
|
-9.78% |
21.29%
-2.5% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.94%
+53.7% YoY
-12.8% QoQ
|
+0.26% |
0.67%
+15.6% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
23% |
| Tier 1 Capital Ratio ? |
11.04%
-0.5% YoY
-1.1% QoQ
|
-4.12% |
15.16%
+2.0% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
18% |
| Non-Interest Income / Assets ? |
0.21%
+9.3% YoY
-74.0% QoQ
|
-0.05% |
0.26%
+1.6% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
74% |
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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.
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Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.