BlastPoint's Banking Scorecard

First State Bank

$100M-$1B Specialty: Commercial WI FDIC cert 15271

New London, WI

8 branches across WI

2664 banks in the $100M-$1B peer group nationally 113 in WI

First State Bank has 1 strength but faces 6 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

+ Delinquency Rate 0.76% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 12.3% in tier
- Capital Thin: Bottom 36.9% in tier
- NIB Deposit Bleed: Bottom 52.0% in tier
- ROA 0.59% below tier average
- Net Interest Margin 0.22% below tier average
- Efficiency Ratio 9.33% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$553.6M +5.7% YoY -1.9% QoQ	+$167.5M	$386.1M +0.5% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	77%
Total Loans ?	$382.4M +16.3% YoY +0.7% QoQ	+$126.6M	$255.7M +1.1% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	78%
Total Deposits ?	$456.4M +1.9% YoY -0.2% QoQ	+$128.5M	$328.0M +0.1% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	76%
Return on Assets ?	0.68% +3.3% QoQ	-0.59%	1.27% +12.9% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	20%
Net Interest Margin ?	3.71% +17.0% YoY +3.6% QoQ	-0.22%	3.93% +6.0% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	41%
Efficiency Ratio ?	74.61% -23.1% YoY -1.3% QoQ	+9.33%	65.29% -4.5% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	23%
Delinquency Rate ?	0.13% +69.9% YoY +64.2% QoQ	-0.76%	0.89% +18.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	71%
Loan-to-Deposit Ratio ?	83.77% +14.2% YoY +0.9% QoQ	+7.13%	76.64% +0.8% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	38%
Non-Interest-Bearing Deposit Share ?	19.16% -16.2% YoY -6.3% QoQ	-2.86%	22.02% -1.0% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	41%
Nonperforming Asset Ratio ?	0.09% +86.9% YoY +68.6% QoQ	-0.55%	0.64% +19.7% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	72%
Tier 1 Capital Ratio ?	9.71% +2.1% YoY -1.1% QoQ	-6.12%	15.83% +1.5% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	Bottom 6.5% in tier
Non-Interest Income / Assets ?	0.11% -8.1% YoY -75.2% QoQ	-0.17%	0.28% +9.3% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	55%

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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 (3)

Credit Quality Pressure

risk

#162 of 1308 • Bottom 12.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.13%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

Capital Thin

risk

#247 of 666 • Bottom 36.9% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.71%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

NIB Deposit Bleed

decline

#104 of 198 • Bottom 52.0% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 19.16%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

587

Total Loans

size

Value: $382.36M

Peer Median: $255.72M

#587 of 2664 Top 22.0% in $100M-$1B

621

Total Assets

size

Value: $553.58M

Peer Median: $386.08M

#621 of 2664 Top 23.3% in $100M-$1B

651

Total Deposits

size

Value: $456.43M

Peer Median: $327.97M

#651 of 2664 Top 24.4% in $100M-$1B

Top Weaknesses (3 metrics)

2492

Tier 1 Capital Ratio

capital

Value: 9.71%

Peer Median: 15.83%

#2492 of 2664 Bottom 6.5% in $100M-$1B

2131

Return on Assets

profitability

Value: 0.68%

Peer Median: 1.27%

#2131 of 2664 Bottom 20.0% in $100M-$1B

2054

Efficiency Ratio

profitability

Value: 74.61%

Peer Median: 65.29%

#2054 of 2664 Bottom 22.9% in $100M-$1B