BlastPoint's Banking Scorecard

Artisans' Bank

$100M-$1B Specialty: Commercial DE FDIC cert 17123

Designations: ✓ Mutual

Wilmington, DE

13 branches across DE

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 8 in DE.
Deposits +2.9% year over year ($643.0M on the books).
Delinquency rate 0.75%.
Return on assets 0.52%.
Efficiency ratio 79.29% vs a 64.48% peer average.
Loan-to-deposit ratio 81.13% 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 8 in DE

View $100M-$1B leaderboard (DE) →

Artisans' 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

+ Delinquency Rate 0.17% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 32.4% in tier
- Non-Interest-Bearing Deposit Share 17.02% below tier average
- ROA 0.80% below tier average
- Net Interest Margin 0.63% below tier average
- Efficiency Ratio 14.81% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
Total Assets ?	$718.2M +3.3% YoY -0.2% QoQ	+$331.7M	$386.6M +1.2% YoY	$72.9B +3.7% YoY	$6.3B +7.7% YoY	Top 11.8% in tier
Total Loans ?	$521.6M +3.4% YoY +2.1% QoQ	+$263.3M	$258.3M +1.7% YoY	$40.0B +6.7% YoY	$3.2B +9.4% YoY	Top 9.8% in tier
Total Deposits ?	$643.0M +2.9% YoY -0.3% QoQ	+$316.2M	$326.7M +0.7% YoY	$56.7B +1.8% YoY	$4.9B +7.3% YoY	Top 9.8% in tier
Return on Assets ?	0.52% +66.0% YoY +27.4% QoQ	-0.80%	1.32% +10.8% YoY	2.36% -9.5% YoY	1.30% +12.1% YoY	Bottom 12.8% in tier
Net Interest Margin ?	3.36% +8.2% YoY +2.3% QoQ	-0.63%	3.99% +5.0% YoY	5.72% +0.9% YoY	3.95% +4.9% YoY	22%
Efficiency Ratio ?	79.29% -8.2% YoY -5.6% QoQ	+14.81%	64.48% -3.2% YoY	53.04% -0.1% YoY	70.05% +2.5% YoY	Bottom 14.3% in tier
Delinquency Rate ?	0.75% +143.7% YoY +52.8% QoQ	-0.17%	0.92% +15.7% YoY	1.76% +6.5% YoY	0.98% +16.3% YoY	36%
Loan-to-Deposit Ratio ?	81.13% +0.5% YoY +2.4% QoQ	+3.17%	77.95% +1.0% YoY	80.57% -7.4% YoY	79.03% +2.3% YoY	47%
Non-Interest-Bearing Deposit Share ?	5.01% -4.1% YoY -1.4% QoQ	-17.02%	22.03% -0.6% YoY	23.77% -3.1% YoY	21.98% -0.6% YoY	Bottom 3.7% in tier
Nonperforming Asset Ratio ?	0.58% +160.4% YoY +50.9% QoQ	-0.09%	0.67% +16.4% YoY	0.52% +1.1% YoY	0.69% +15.8% YoY	35%
Tier 1 Capital Ratio ?	13.01% +2.3% YoY -0.5% QoQ	-2.89%	15.91% +1.4% YoY	57.87% +0.5% YoY	17.09% +0.8% YoY	48%
Non-Interest Income / Assets ?	0.20% +23.9% YoY +136.2% QoQ	-0.37%	0.57% +7.6% YoY	2.79% +1.3% YoY	0.66% +5.2% YoY	50%

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 (DE)	National Avg	Tier Percentile
Noninterest-Bearing	5.0% -0.2pp YoY -0.1pp QoQ	-17.1pp	22.1%	27.2%	22.2%	3%
Brokered Deposits	n/a	n/a	7.9%	18.6%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
C&I	6.5% -0.1pp YoY +0.5pp QoQ	-5.1pp	11.6%	8.9%	12.5%	29%
CRE	62.6% +1.4pp YoY -0.1pp QoQ	+23.0pp	39.5%	35.2%	41.4%	87%
1-4 Family	31.2% -1.3pp YoY -0.4pp QoQ	-1.4pp	32.6%	36.6%	31.3%	54%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.0pp	4.1%	37.2%	5.0%	4%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
CET1 Ratio	13.0% +0.3pp YoY -0.1pp QoQ	-5.8pp	18.8%	52.4%	19.7%	28%
Leverage Ratio	10.4% +0.3pp YoY +0.1pp QoQ	-1.7pp	12.2%	28.0%	12.6%	40%
Total Capital Ratio	14.0% +0.3pp YoY 0.0pp QoQ	-6.0pp	19.9%	53.4%	20.8%	25%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
Full-Time Employees	122 0 YoY +3 (+2.5%) QoQ	+63	58	6,324	482	93%
Assets per Employee ($)	$5.9M +3.3% YoY -2.7% QoQ	-$1.6M	$7.5M	$17.7M	$8.8M	31%
Branch Count	13 -1 (-7.1%) YoY 0 QoQ	+8	4	249	18	96%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% +0.1pp YoY	-0.2pp	0.3%	0.9%	0.4%	46%
Nonaccrual	0.7% +0.4pp YoY +0.2pp QoQ	-0.3pp	0.9%	1.3%	1.0%	61%
Allowance Coverage	1.37x -58.1% YoY -32.7% QoQ	-22.78x	24.15x	2.44x	20.23x	37%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	1.5%	0.2%	45%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
ROE	5.5% +1.9pp YoY +1.2pp QoQ	-6.7pp	12.2%	13.0%	11.6%	15%
Cost of Funds (YTD)	1.8% -0.2pp YoY 0.0pp QoQ	+0.1pp	1.7%	1.7%	1.7%	59%
Net Income ($, YTD)	$1.9M +71.3% YoY — QoQ	-$691K	$2.6M	$432.8M	$40.4M	50%

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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)

Credit Risk Growth

risk

#304 of 936 • Bottom 32.4% in tier

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

936 of 936 Community banks match · 1401 nationally

→ Stable -58 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 (3 metrics)

259

Total Loans

size

Value: $521.61M

Peer Median: $258.35M

#259 of 2643 Top 9.8% in $100M-$1B

261

Total Deposits

size

Value: $642.96M

Peer Median: $326.73M

#261 of 2643 Top 9.8% in $100M-$1B

314

Total Assets

size

Value: $718.23M

Peer Median: $386.57M

#314 of 2643 Top 11.8% in $100M-$1B

Top Weaknesses (4 metrics)

2546

Non-Interest-Bearing Deposit Share

funding

Value: 5.01%

Peer Median: 22.03%

#2546 of 2643 Bottom 3.7% in $100M-$1B

2306

Return on Assets

profitability

Value: 0.52%

Peer Median: 1.32%

#2306 of 2643 Bottom 12.8% in $100M-$1B

2265

Efficiency Ratio

profitability

Value: 79.29%

Peer Median: 64.48%

#2265 of 2643 Bottom 14.3% in $100M-$1B

2064

Net Interest Margin

profitability

Value: 3.36%

Peer Median: 3.99%

#2064 of 2643 Bottom 21.9% in $100M-$1B