BlastPoint's Banking Scorecard

Premier Community Bank

$100M-$1B Specialty: Commercial WI FDIC cert 15799

Marion, WI

11 branches across WI

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

Premier Community Bank has 1 strength but faces 5 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

+ Credit Quality Leader: Top 24.7% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 0.7% in tier
- Credit Risk Growth: Bottom 10.5% in tier
- Efficiency Drag: Bottom 25.6% in tier
- ROA 0.70% below tier average
- Net Interest Margin 0.21% below 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 ?	$562.2M +3.8% YoY +2.0% QoQ	+$176.2M	$386.1M +0.5% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	77%
Total Loans ?	$389.6M +5.1% YoY +4.3% QoQ	+$133.8M	$255.7M +1.1% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	79%
Total Deposits ?	$495.4M +2.0% YoY +2.3% QoQ	+$167.4M	$328.0M +0.1% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	79%
Return on Assets ?	0.56% +9.3% YoY +0.8% QoQ	-0.70%	1.27% +12.9% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	Bottom 14.9% in tier
Net Interest Margin ?	3.72% +12.0% YoY +2.8% QoQ	-0.21%	3.93% +6.0% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	42%
Efficiency Ratio ?	81.66% -2.0% YoY -0.5% QoQ	+16.37%	65.29% -4.5% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	Bottom 13.4% in tier
Delinquency Rate ?	0.00%	-0.88%	0.89% +18.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	Top 12.5% in tier
Loan-to-Deposit Ratio ?	78.64% +3.0% YoY +1.9% QoQ	+2.00%	76.64% +0.8% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	49%
Non-Interest-Bearing Deposit Share ?	9.98% -6.7% YoY -11.4% QoQ	-12.04%	22.02% -1.0% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	Bottom 10.8% in tier
Nonperforming Asset Ratio ?	0.05% +1.7% YoY +3.1% QoQ	-0.59%	0.64% +19.7% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	78%
Tier 1 Capital Ratio ?	11.74% +2.4% YoY -2.7% QoQ	-4.09%	15.83% +1.5% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	32%
Non-Interest Income / Assets ?	0.15% -4.6% YoY -80.3% QoQ	-0.13%	0.28% +9.3% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	74%

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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 (1)

Credit Quality Leader

growth

#165 of 664 • Top 24.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (3)

Credit Quality Pressure

risk

#10 of 1308 • Bottom 0.7% in tier

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

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Credit Risk Growth

risk

#103 of 973 • Bottom 10.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank declining

Efficiency Drag

risk

#107 of 414 • Bottom 25.6% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 81.66%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | 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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

333

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#333 of 2654 Top 12.5% in $100M-$1B

560

Total Deposits

size

Value: $495.37M

Peer Median: $327.97M

#560 of 2664 Top 21.0% in $100M-$1B

567

Total Loans

size

Value: $389.56M

Peer Median: $255.72M

#567 of 2664 Top 21.2% in $100M-$1B

580

Nonperforming Asset Ratio

credit_quality

Value: 0.05%

Peer Median: 0.64%

#580 of 2664 Top 21.7% in $100M-$1B

601

Total Assets

size

Value: $562.24M

Peer Median: $386.08M

#601 of 2664 Top 22.5% in $100M-$1B

Top Weaknesses (3 metrics)

2378

Non-Interest-Bearing Deposit Share

funding

Value: 9.98%

Peer Median: 22.02%

#2378 of 2664 Bottom 10.8% in $100M-$1B

2308

Efficiency Ratio

profitability

Value: 81.66%

Peer Median: 65.29%

#2308 of 2664 Bottom 13.4% in $100M-$1B

2267

Return on Assets

profitability

Value: 0.56%

Peer Median: 1.27%

#2267 of 2664 Bottom 14.9% in $100M-$1B