BlastPoint's Banking Scorecard
Premier Community Bank
Marion, WI
10 branches across WI
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 +1.7% year over year ($486.6M on the books).
- Delinquency rate 0.86%.
- Return on assets 0.57%.
- Efficiency ratio 80.05% vs a 64.48% peer average.
- Loan-to-deposit ratio 80.17% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Premier Community Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.06% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 25.5% in tier
- - ROA 0.75% below tier average
- - Net Interest Margin 0.20% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$552.1M
+2.9% YoY
-1.8% QoQ
|
+$165.5M |
$386.6M
+1.2% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
76% |
| Total Loans ? |
$390.1M
+2.3% YoY
+0.1% QoQ
|
+$131.8M |
$258.3M
+1.7% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
78% |
| Total Deposits ? |
$486.6M
+1.7% YoY
-1.8% QoQ
|
+$159.9M |
$326.7M
+0.7% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
78% |
| Return on Assets ? |
0.57%
+11.8% YoY
+1.8% QoQ
|
-0.75% |
1.32%
+10.8% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
Bottom 14.3% in tier |
| Net Interest Margin ? |
3.79%
+9.8% YoY
+1.7% QoQ
|
-0.20% |
3.99%
+5.0% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
41% |
| Efficiency Ratio ? |
80.05%
-3.6% YoY
-2.0% QoQ
|
+15.57% |
64.48%
-3.2% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
Bottom 13.7% in tier |
| Delinquency Rate ? | 0.86% | -0.06% |
0.92%
+15.7% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
80.17%
+0.6% YoY
+1.9% QoQ
|
+2.22% |
77.95%
+1.0% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
11.67%
+6.4% YoY
+17.0% QoQ
|
-10.36% |
22.03%
-0.6% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
Bottom 13.8% in tier |
| Nonperforming Asset Ratio ? | 0.65% | -0.01% |
0.67%
+16.4% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
33% |
| Tier 1 Capital Ratio ? |
11.90%
+4.3% YoY
+1.4% QoQ
|
-4.01% |
15.91%
+1.4% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.29%
-2.5% YoY
+94.5% QoQ
|
-0.27% |
0.57%
+7.6% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
71% |
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 |
11.7%
+0.7pp YoY +1.7pp QoQ |
-10.5pp | 22.1% | 18.9% | 22.2% | 13% |
| Brokered Deposits |
13.1%
-5.8pp YoY +0.5pp QoQ |
+5.3pp | 7.9% | 9.2% | 8.5% | 82% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.2%
-0.4pp YoY +0.1pp QoQ |
-6.4pp | 11.6% | 10.5% | 12.5% | 21% |
| CRE |
42.7%
-0.1pp YoY -0.7pp QoQ |
+3.1pp | 39.5% | 46.4% | 41.4% | 58% |
| 1-4 Family |
32.9%
+2.5pp YoY +1.0pp QoQ |
+0.3pp | 32.6% | 32.3% | 31.3% | 58% |
| Consumer |
1.5%
-0.4pp YoY -0.1pp QoQ |
-2.6pp | 4.1% | 2.6% | 5.0% | 39% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.9%
+0.5pp YoY +0.2pp QoQ |
-6.9pp | 18.8% | 15.5% | 19.7% | 16% |
| Leverage Ratio |
8.5%
+0.3pp YoY +0.1pp QoQ |
-3.6pp | 12.2% | 12.6% | 12.6% | 7% |
| Total Capital Ratio |
13.1%
+0.7pp YoY +0.2pp QoQ |
-6.8pp | 19.9% | 16.6% | 20.8% | 17% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
117
+5 (+4.5%) YoY 0 QoQ |
+58 | 58 | 134 | 482 | 92% |
| Assets per Employee ($) |
$4.7M
-1.5% YoY -1.8% QoQ |
-$2.8M | $7.5M | $8.2M | $8.8M | 11% |
| Branch Count |
10
-1 (-9.1%) YoY -1 (-9.1%) QoQ |
+5 | 4 | 9 | 18 | 90% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.9%
+0.9pp QoQ |
-0.1pp | 0.9% | 0.9% | 1.0% | 68% |
| Allowance Coverage |
1.43x
-99.6% QoQ |
-22.73x | 24.15x | 56.89x | 20.23x | 38% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.0% | 0.2% | 36% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.6%
+0.2pp YoY +0.1pp QoQ |
-4.6pp | 12.2% | 11.8% | 11.6% | 24% |
| Cost of Funds (YTD) |
1.8%
-0.2pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.8% | 1.7% | 58% |
| Net Income ($, YTD) |
$1.6M
+15.4% YoY — QoQ |
-$960K | $2.6M | $7.9M | $40.4M | 44% |
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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 (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.