BlastPoint's Banking Scorecard
AbbyBank
Abbotsford, WI
9 branches across WI
AbbyBank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 23.4% in tier
- - ROA 0.58% below tier average
- - Net Interest Margin 0.57% below tier average
- - Efficiency Ratio 6.37% above tier average
- - Delinquency Rate 0.74% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$650.7M
+0.5% YoY
-0.9% QoQ
|
+$264.6M |
$386.1M
+0.5% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
84% |
| Total Loans ? |
$419.7M
-1.1% YoY
-1.4% QoQ
|
+$164.0M |
$255.7M
+1.1% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
81% |
| Total Deposits ? |
$565.3M
+2.8% YoY
-1.2% QoQ
|
+$237.3M |
$328.0M
+0.1% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
85% |
| Return on Assets ? |
0.69%
+158.6% YoY
-2.6% QoQ
|
-0.58% |
1.27%
+12.9% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
20% |
| Net Interest Margin ? |
3.36%
+15.2% YoY
+3.4% QoQ
|
-0.57% |
3.93%
+6.0% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
24% |
| Efficiency Ratio ? |
71.66%
-15.8% YoY
-1.4% QoQ
|
+6.37% |
65.29%
-4.5% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
29% |
| Delinquency Rate ? |
1.62%
+31.1% YoY
+2.9% QoQ
|
+0.74% |
0.89%
+18.8% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
74.24%
-3.8% YoY
-0.2% QoQ
|
-2.40% |
76.64%
+0.8% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
23.67%
+1.1% YoY
-3.5% QoQ
|
+1.65% |
22.02%
-1.0% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
61% |
| Nonperforming Asset Ratio ? |
1.14%
+26.0% YoY
+2.4% QoQ
|
+0.50% |
0.64%
+19.7% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
17% |
| Tier 1 Capital Ratio ? |
12.79%
+5.8% YoY
+1.3% QoQ
|
-3.04% |
15.83%
+1.5% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
45% |
| Non-Interest Income / Assets ? |
0.08%
+30.3% YoY
-70.8% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
40% |
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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)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.