BlastPoint's Banking Scorecard
First Business Bank
Madison, WI
5 branches across WI · IN · KS
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 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in WI.
- Deposits +8.6% year over year ($3.6B on the books).
- Delinquency rate 1.07%.
- Return on assets 1.41%.
- Efficiency ratio 58.08% vs a 59.73% peer average.
- Loan-to-deposit ratio 98.68% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Business Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 1.64% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.07% below tier average
- - Delinquency Rate 0.21% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.4B
+10.1% YoY
+2.1% QoQ
|
+$1.6B |
$2.8B
-0.6% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
83% |
| Total Loans ? |
$3.5B
+9.9% YoY
+1.8% QoQ
|
+$1.6B |
$2.0B
-0.3% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
Top 14.1% in tier |
| Total Deposits ? |
$3.6B
+8.6% YoY
+0.7% QoQ
|
+$1.3B |
$2.3B
-0.5% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
83% |
| Return on Assets ? |
1.41%
+12.0% YoY
+9.3% QoQ
|
+0.02% |
1.39%
+17.0% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
63% |
| Net Interest Margin ? |
3.80%
+0.6% YoY
+1.9% QoQ
|
-0.07% |
3.87%
+6.2% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
55% |
| Efficiency Ratio ? |
58.08%
-0.4% YoY
-0.5% QoQ
|
-1.64% |
59.73%
-12.6% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
54% |
| Delinquency Rate ? |
1.07%
+21.0% YoY
-7.7% QoQ
|
+0.21% |
0.87%
+11.7% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
98.68%
+1.2% YoY
+1.1% QoQ
|
+13.64% |
85.04%
-0.1% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
11.80%
-2.7% YoY
+2.5% QoQ
|
-9.47% |
21.27%
-1.5% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.86%
+20.7% YoY
-7.9% QoQ
|
+0.19% |
0.67%
+11.7% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
26% |
| Tier 1 Capital Ratio ? |
11.17%
+0.5% YoY
+1.2% QoQ
|
-3.67% |
14.84%
-0.4% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
21% |
| Non-Interest Income / Assets ? |
0.41%
+10.4% YoY
+94.5% QoQ
|
-0.12% |
0.53%
+2.5% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
72% |
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 |
11.8%
-0.3pp YoY +0.3pp QoQ |
-9.6pp | 21.4% | 18.9% | 22.2% | 15% |
| Brokered Deposits |
26.6%
-1.4pp YoY +1.2pp QoQ |
+17.1pp | 9.5% | 9.2% | 8.5% | 92% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
36.1%
-1.5pp YoY -1.0pp QoQ |
+22.1pp | 14.0% | 10.5% | 12.5% | 94% |
| CRE |
57.9%
+1.5pp YoY +1.0pp QoQ |
+7.9pp | 50.0% | 46.4% | 41.4% | 71% |
| 1-4 Family |
1.7%
+0.3pp YoY -0.1pp QoQ |
-24.8pp | 26.4% | 32.3% | 31.3% | 3% |
| Consumer |
0.2%
0.0pp YoY 0.0pp QoQ |
-4.5pp | 4.7% | 2.6% | 5.0% | 20% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.2%
+0.1pp YoY +0.1pp QoQ |
-4.4pp | 15.6% | 15.5% | 19.7% | 12% |
| Leverage Ratio |
10.4%
+0.2pp YoY +0.2pp QoQ |
-0.9pp | 11.3% | 12.6% | 12.6% | 46% |
| Total Capital Ratio |
12.2%
0.0pp YoY +0.1pp QoQ |
-4.5pp | 16.7% | 16.6% | 20.8% | 12% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
347
-12 (-3.3%) YoY -21 (-5.7%) QoQ |
+33 | 313 | 134 | 482 | 72% |
| Assets per Employee ($) |
$12.7M
+13.9% YoY +8.2% QoQ |
+$2.2M | $10.5M | $8.2M | $8.8M | 82% |
| Branch Count |
5
0 YoY 0 QoQ |
-15 | 20 | 9 | 18 | 12% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.4% | 0.4% | n/a |
| Nonaccrual |
1.1%
+0.2pp YoY -0.1pp QoQ |
+0.2pp | 0.8% | 0.9% | 1.0% | 76% |
| Allowance Coverage |
0.98x
-23.7% YoY +8.6% QoQ |
-17.73x | 18.71x | 56.89x | 20.23x | 23% |
| Net Charge-off Rate (YTD) |
0.2%
-0.1pp YoY -0.1pp QoQ |
-0.1pp | 0.3% | 0.0% | 0.2% | 78% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.9%
+1.1pp YoY +1.2pp QoQ |
+1.3pp | 12.6% | 11.8% | 11.6% | 65% |
| Cost of Funds (YTD) |
2.6%
-0.3pp YoY 0.0pp QoQ |
+0.7pp | 1.9% | 1.8% | 1.7% | 88% |
| Net Income ($, YTD) |
$30.2M
+21.5% YoY — QoQ |
+$10.9M | $19.2M | $7.9M | $40.4M | 82% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.