BlastPoint's Banking Scorecard

Peoples State Bank

$1B-$10B Specialty: Commercial WI FDIC cert 18569

Designations: ✓ Community bank

Wausau, WI

12 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 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in WI.
Deposits +0.0% year over year ($1.2B on the books).
Delinquency rate 1.42%.
Return on assets 1.10%.
Efficiency ratio 63.16% vs a 59.73% peer average.
Loan-to-deposit ratio 95.37% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 30 in WI

View $1B-$10B leaderboard (WI) →

Peoples State Bank faces 6 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 2.7% in tier
- Liquidity Strain: Bottom 19.1% in tier
- Flatlined Growth: Bottom 34.0% in tier
- ROA 0.29% below tier average
- Net Interest Margin 0.28% below tier average
- Efficiency Ratio 3.44% above tier average

Get updates when Peoples State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$1.5B -0.3% YoY +0.5% QoQ	-$1.3B	$2.8B -0.6% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	35%
Total Loans ?	$1.1B +2.2% YoY +1.6% QoQ	-$828.8M	$2.0B -0.3% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	40%
Total Deposits ?	$1.2B +0.0% YoY -0.9% QoQ	-$1.1B	$2.3B -0.5% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	29%
Return on Assets ?	1.10% +16.6% YoY +6.3% QoQ	-0.29%	1.39% +17.0% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	37%
Net Interest Margin ?	3.59% +12.8% YoY +0.3% QoQ	-0.28%	3.87% +6.2% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	42%
Efficiency Ratio ?	63.16% -5.6% YoY -1.9% QoQ	+3.44%	59.73% -12.6% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	37%
Delinquency Rate ?	1.42% +0.8% YoY +2.3% QoQ	+0.55%	0.87% +11.7% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	19%
Loan-to-Deposit Ratio ?	95.37% +2.2% YoY +2.5% QoQ	+10.33%	85.04% -0.1% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	25%
Non-Interest-Bearing Deposit Share ?	25.19% +4.7% YoY +3.9% QoQ	+3.92%	21.27% -1.5% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	72%
Nonperforming Asset Ratio ?	1.08% +4.2% YoY +4.3% QoQ	+0.41%	0.67% +11.7% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	19%
Tier 1 Capital Ratio ?	13.41% +5.4% YoY -0.8% QoQ	-1.44%	14.84% -0.4% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	55%
Non-Interest Income / Assets ?	0.33% +23.4% YoY +74.2% QoQ	-0.20%	0.53% +2.5% YoY	2.21% +12.7% YoY	0.66% +5.2% YoY	58%

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	25.2% +1.1pp YoY +1.0pp QoQ	+3.8pp	21.4%	18.9%	22.2%	72%
Brokered Deposits	4.2% -4.6pp YoY -0.3pp QoQ	-5.3pp	9.5%	9.2%	8.5%	42%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
C&I	13.3% +1.3pp YoY +0.4pp QoQ	-0.7pp	14.0%	10.5%	12.5%	61%
CRE	59.0% +0.5pp YoY -0.6pp QoQ	+9.0pp	50.0%	46.4%	41.4%	74%
1-4 Family	26.8% -1.0pp YoY +0.1pp QoQ	+0.3pp	26.4%	32.3%	31.3%	59%
Consumer	0.4% 0.0pp YoY 0.0pp QoQ	-4.3pp	4.7%	2.6%	5.0%	28%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
CET1 Ratio	13.4% +0.7pp YoY -0.1pp QoQ	-2.2pp	15.6%	15.5%	19.7%	48%
Leverage Ratio	10.2% +0.6pp YoY +0.2pp QoQ	-1.1pp	11.3%	12.6%	12.6%	41%
Total Capital Ratio	14.6% +0.7pp YoY -0.1pp QoQ	-2.1pp	16.7%	16.6%	20.8%	49%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Full-Time Employees	188 -12 (-6.0%) YoY -9 (-4.6%) QoQ	-126	313	134	482	36%
Assets per Employee ($)	$8.0M +6.1% YoY +5.3% QoQ	-$2.5M	$10.5M	$8.2M	$8.8M	39%
Branch Count	12 0 YoY 0 QoQ	-8	20	9	18	39%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.4%	0.4%	44%
Nonaccrual	1.4% 0.0pp YoY 0.0pp QoQ	+0.6pp	0.8%	0.9%	1.0%	84%
Allowance Coverage	0.84x +3.9% YoY -1.5% QoQ	-17.87x	18.71x	56.89x	20.23x	18%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.0%	0.2%	20%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
ROE	11.6% +0.7pp YoY +0.6pp QoQ	-1.0pp	12.6%	11.8%	11.6%	46%
Cost of Funds (YTD)	2.1% -0.2pp YoY 0.0pp QoQ	+0.2pp	1.9%	1.8%	1.7%	65%
Net Income ($, YTD)	$8.2M +17.3% YoY — QoQ	-$11.1M	$19.2M	$7.9M	$40.4M	30%

Get Full Access to Peoples State Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 Risk Growth

risk

#12 of 402 • Bottom 2.7% in tier

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

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#70 of 361 • Bottom 19.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 95.37%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Flatlined Growth

risk

#56 of 162 • Bottom 34.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 1.10%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

162 of 162 Mid-Market banks match · 719 nationally

→ Stable +34 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 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

719

Delinquency Rate

credit_quality

Value: 1.42%

Peer Median: 0.87%

#719 of 882 Bottom 18.6% in $1B-$10B

715

Nonperforming Asset Ratio

credit_quality

Value: 1.08%

Peer Median: 0.67%

#715 of 885 Bottom 19.3% in $1B-$10B

666

Loan-to-Deposit Ratio

liquidity

Value: 95.37%

Peer Median: 85.04%

#666 of 885 Bottom 24.9% in $1B-$10B