BlastPoint's Banking Scorecard

Northern State Bank

$100M-$1B Specialty: Other WI FDIC cert 15242

Ashland, WI

7 branches across WI · MN

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 +8.7% year over year ($297.1M on the books).
Delinquency rate 0.22%.
Return on assets 1.66%.
Efficiency ratio 54.54% vs a 64.48% peer average.
Loan-to-deposit ratio 52.07% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 110 in WI

View $100M-$1B leaderboard (WI) →

Northern State Bank has 3 strengths but faces 2 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

+ ROA 0.34% above tier average
+ Efficiency Ratio 9.94% below tier average
+ Delinquency Rate 0.70% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 58.0% in tier
- Net Interest Margin 0.05% below tier average

Get updates when Northern State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$330.8M +8.2% YoY +0.6% QoQ	-$55.8M	$386.6M +1.2% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	51%
Total Loans ?	$154.7M -1.1% YoY +4.2% QoQ	-$103.6M	$258.3M +1.7% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	36%
Total Deposits ?	$297.1M +8.7% YoY +0.5% QoQ	-$29.6M	$326.7M +0.7% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	54%
Return on Assets ?	1.66% -19.1% YoY +12.5% QoQ	+0.34%	1.32% +10.8% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	74%
Net Interest Margin ?	3.94% -1.6% YoY +3.3% QoQ	-0.05%	3.99% +5.0% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	50%
Efficiency Ratio ?	54.54% +8.9% YoY -5.6% QoQ	-9.94%	64.48% -3.2% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	73%
Delinquency Rate ?	0.22% -78.9% YoY -76.4% QoQ	-0.70%	0.92% +15.7% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	64%
Loan-to-Deposit Ratio ?	52.07% -9.0% YoY +3.7% QoQ	-25.88%	77.95% +1.0% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	Top 10.0% in tier
Non-Interest-Bearing Deposit Share ?	10.64% +13.9% YoY +30.5% QoQ	-11.39%	22.03% -0.6% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	Bottom 11.8% in tier
Nonperforming Asset Ratio ?	0.10% -80.7% YoY -75.6% QoQ	-0.57%	0.67% +16.4% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	71%
Tier 1 Capital Ratio ?	17.11% -7.4% YoY -4.7% QoQ	+1.20%	15.91% +1.4% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	77%
Non-Interest Income / Assets ?	0.19% -46.5% YoY +77.8% QoQ	-0.38%	0.57% +7.6% YoY	2.21% +12.7% YoY	0.66% +5.2% YoY	46%

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	10.6% +1.3pp YoY +2.5pp QoQ	-11.5pp	22.1%	18.9%	22.2%	11%
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	9.2% -1.4pp YoY +0.1pp QoQ	-2.4pp	11.6%	10.5%	12.5%	48%
CRE	37.1% +0.2pp YoY 0.0pp QoQ	-2.5pp	39.5%	46.4%	41.4%	47%
1-4 Family	45.6% +2.0pp YoY -0.3pp QoQ	+13.0pp	32.6%	32.3%	31.3%	78%
Consumer	1.5% -0.1pp YoY -0.2pp QoQ	-2.6pp	4.1%	2.6%	5.0%	40%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
CET1 Ratio	17.1% -1.4pp YoY -0.8pp QoQ	-1.7pp	18.8%	15.5%	19.7%	64%
Leverage Ratio	9.9% -0.4pp YoY 0.0pp QoQ	-2.3pp	12.2%	12.6%	12.6%	29%
Total Capital Ratio	18.1% -1.4pp YoY -0.9pp QoQ	-1.9pp	19.9%	16.6%	20.8%	64%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Full-Time Employees	49 0 YoY 0 QoQ	-10	58	134	482	52%
Assets per Employee ($)	$6.8M +8.2% YoY +0.6% QoQ	-$768K	$7.5M	$8.2M	$8.8M	48%
Branch Count	7 0 YoY 0 QoQ	+2	4	9	18	75%

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	0.2% -0.8pp YoY -0.7pp QoQ	-0.7pp	0.9%	0.9%	1.0%	31%
Allowance Coverage	5.13x +389.2% YoY +330.7% QoQ	-19.03x	24.15x	56.89x	20.23x	71%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.0%	0.2%	22%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
ROE	16.5% -4.0pp YoY +1.9pp QoQ	+4.3pp	12.2%	11.8%	11.6%	75%
Cost of Funds (YTD)	1.4% +0.2pp YoY 0.0pp QoQ	-0.3pp	1.7%	1.8%	1.7%	28%
Net Income ($, YTD)	$2.7M -12.6% YoY — QoQ	+$184K	$2.6M	$7.9M	$40.4M	66%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Margin Compression

decline

#179 of 307 • Bottom 58.0% 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: 1.66%

(Tier: 1.32%, National: 1.30%)

better than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

264

Loan-to-Deposit Ratio

liquidity

Value: 52.07%

Peer Median: 77.95%

#264 of 2643 Top 10.0% in $100M-$1B

602

Tier 1 Capital Ratio

capital

Value: 17.11%

Peer Median: 15.91%

#602 of 2643 Top 22.7% in $100M-$1B

Top Weaknesses (1 metrics)

2332

Non-Interest-Bearing Deposit Share

funding

Value: 10.64%

Peer Median: 22.03%

#2332 of 2643 Bottom 11.8% in $100M-$1B