BlastPoint's Banking Scorecard
Johnson Bank
Designations: ✓ Community bank
Racine, WI
32 branches across WI
Johnson Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.60% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 5.2% in tier
- - Credit Quality Pressure: Bottom 18.1% in tier
- - Liquidity Overhang: Bottom 47.1% in tier
- - ROA 0.13% below tier average
- - Net Interest Margin 0.33% below tier average
- - Efficiency Ratio 1.72% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.0B
+2.3% YoY
-2.5% QoQ
|
+$4.2B |
$2.8B
-0.1% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
Top 7.1% in tier |
| Total Loans ? |
$5.2B
+2.3% YoY
+0.2% QoQ
|
+$3.2B |
$2.0B
+0.6% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
Top 5.9% in tier |
| Total Deposits ? |
$5.8B
+9.9% YoY
-2.6% QoQ
|
+$3.5B |
$2.3B
-0.3% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
Top 6.9% in tier |
| Return on Assets ? |
1.24%
+17.9% YoY
+15.2% QoQ
|
-0.13% |
1.37%
+19.6% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
51% |
| Net Interest Margin ? |
3.48%
+2.0% YoY
-1.0% QoQ
|
-0.33% |
3.82%
+6.9% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
39% |
| Efficiency Ratio ? |
62.78%
-7.7% YoY
-4.6% QoQ
|
+1.72% |
61.06%
-4.6% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
41% |
| Delinquency Rate ? |
0.28%
+33.4% YoY
-0.1% QoQ
|
-0.60% |
0.89%
+14.1% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
89.27%
-6.9% YoY
+2.9% QoQ
|
+5.06% |
84.20%
+0.3% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
17.97%
-6.2% YoY
-0.6% QoQ
|
-3.32% |
21.29%
-2.5% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
40% |
| Nonperforming Asset Ratio ? |
0.21%
+33.7% YoY
+2.2% QoQ
|
-0.46% |
0.67%
+15.6% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
72% |
| Tier 1 Capital Ratio ? |
16.04%
+2.9% YoY
+2.6% QoQ
|
+0.88% |
15.16%
+2.0% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.26%
+2.2% YoY
-74.4% QoQ
|
+0.00% |
0.26%
+1.6% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
81% |
Get Full Access to Johnson Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
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 (0)
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.