BlastPoint's Banking Scorecard
Northern State Bank
Ashland, WI
7 branches across WI · MN
Northern State Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.21% above tier average
- + Efficiency Ratio 7.52% below tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 15.9% in tier
- - Margin Compression: Bottom 48.9% in tier
- - Non-Interest-Bearing Deposit Share 13.87% below tier average
- - Net Interest Margin 0.12% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$328.8M
+7.2% YoY
-0.6% QoQ
|
-$57.2M |
$386.1M
+0.5% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
51% |
| Total Loans ? |
$148.5M
-3.8% YoY
-3.2% QoQ
|
-$107.2M |
$255.7M
+1.1% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
36% |
| Total Deposits ? |
$295.6M
+7.2% YoY
-0.5% QoQ
|
-$32.4M |
$328.0M
+0.1% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
54% |
| Return on Assets ? |
1.47%
-19.1% YoY
-21.2% QoQ
|
+0.21% |
1.27%
+12.9% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
66% |
| Net Interest Margin ? |
3.81%
-4.7% YoY
-4.8% QoQ
|
-0.12% |
3.93%
+6.0% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
47% |
| Efficiency Ratio ? |
57.76%
+11.6% YoY
+11.2% QoQ
|
-7.52% |
65.29%
-4.5% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
66% |
| Delinquency Rate ? |
0.94%
-11.4% YoY
+5.8% QoQ
|
+0.05% |
0.89%
+18.8% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
50.23%
-10.3% YoY
-2.7% QoQ
|
-26.41% |
76.64%
+0.8% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Top 9.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.15%
-15.7% YoY
-19.1% QoQ
|
-13.87% |
22.02%
-1.0% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
Bottom 7.4% in tier |
| Nonperforming Asset Ratio ? |
0.42%
-20.5% YoY
+3.0% QoQ
|
-0.22% |
0.64%
+19.7% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
42% |
| Tier 1 Capital Ratio ? |
17.94%
-3.4% YoY
+1.6% QoQ
|
+2.11% |
15.83%
+1.5% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.11%
+23.3% YoY
-79.1% QoQ
|
-0.17% |
0.28%
+9.3% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
56% |
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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 (2)
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.