BlastPoint's Banking Scorecard

Johnson Bank

$1B-$10B Specialty: Commercial WI FDIC cert 20296

Designations: ✓ Community bank

Racine, WI

32 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 +2.6% year over year ($5.6B on the books).
Delinquency rate 0.24%.
Return on assets 1.30%.
Efficiency ratio 62.23% vs a 59.73% peer average.
Loan-to-deposit ratio 94.20% 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) →

Johnson Bank has 1 strength but faces 4 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 38.9% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 10.5% in tier
- ROA 0.09% below tier average
- Net Interest Margin 0.33% below tier average
- Efficiency Ratio 2.51% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$7.1B +0.3% YoY +0.9% QoQ	+$4.3B	$2.8B -0.6% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	Top 6.3% in tier
Total Loans ?	$5.3B +0.5% YoY +1.8% QoQ	+$3.3B	$2.0B -0.3% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	Top 5.4% in tier
Total Deposits ?	$5.6B +2.6% YoY -3.6% QoQ	+$3.3B	$2.3B -0.5% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	Top 7.0% in tier
Return on Assets ?	1.30% +43.5% YoY +5.2% QoQ	-0.09%	1.39% +17.0% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	54%
Net Interest Margin ?	3.54% +2.5% YoY +1.6% QoQ	-0.33%	3.87% +6.2% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	39%
Efficiency Ratio ?	62.23% -7.4% YoY -0.9% QoQ	+2.51%	59.73% -12.6% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	39%
Delinquency Rate ?	0.24% -33.8% YoY -16.3% QoQ	-0.63%	0.87% +11.7% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	76%
Loan-to-Deposit Ratio ?	94.20% -2.0% YoY +5.5% QoQ	+9.17%	85.04% -0.1% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	29%
Non-Interest-Bearing Deposit Share ?	19.18% -4.4% YoY +6.7% QoQ	-2.09%	21.27% -1.5% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	46%
Nonperforming Asset Ratio ?	0.18% -33.6% YoY -15.5% QoQ	-0.49%	0.67% +11.7% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	76%
Tier 1 Capital Ratio ?	15.62% +6.9% YoY -2.6% QoQ	+0.78%	14.84% -0.4% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	78%
Non-Interest Income / Assets ?	0.50% +1.6% YoY +94.5% QoQ	-0.02%	0.53% +2.5% YoY	2.21% +12.7% YoY	0.66% +5.2% YoY	80%

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	19.2% -0.9pp YoY +1.2pp QoQ	-2.2pp	21.4%	18.9%	22.2%	46%
Brokered Deposits	n/a	n/a	9.5%	9.2%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
C&I	13.8% -0.4pp YoY 0.0pp QoQ	-0.2pp	14.0%	10.5%	12.5%	63%
CRE	50.3% -0.9pp YoY +0.1pp QoQ	+0.2pp	50.0%	46.4%	41.4%	52%
1-4 Family	31.4% +1.7pp YoY -0.1pp QoQ	+5.0pp	26.4%	32.3%	31.3%	68%
Consumer	1.6% 0.0pp YoY 0.0pp QoQ	-3.1pp	4.7%	2.6%	5.0%	56%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
CET1 Ratio	15.6% +1.0pp YoY -0.4pp QoQ	0.0pp	15.6%	15.5%	19.7%	75%
Leverage Ratio	12.3% +0.6pp YoY -0.1pp QoQ	+1.0pp	11.3%	12.6%	12.6%	79%
Total Capital Ratio	16.9% +1.0pp YoY -0.4pp QoQ	+0.2pp	16.7%	16.6%	20.8%	76%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Full-Time Employees	778 -4 (-0.5%) YoY +13 (+1.7%) QoQ	+464	313	134	482	94%
Assets per Employee ($)	$9.1M +0.8% YoY -0.8% QoQ	-$1.4M	$10.5M	$8.2M	$8.8M	55%
Branch Count	32 0 YoY 0 QoQ	+12	20	9	18	83%

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	-0.2pp	0.2%	0.4%	0.4%	19%
Nonaccrual	0.2% -0.1pp YoY 0.0pp QoQ	-0.6pp	0.8%	0.9%	1.0%	24%
Allowance Coverage	6.05x +44.1% YoY +14.5% QoQ	-12.66x	18.71x	56.89x	20.23x	81%
Net Charge-off Rate (YTD)	-0.1% -0.4pp YoY +0.1pp QoQ	-0.3pp	0.3%	0.0%	0.2%	2%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
ROE	10.6% +3.1pp YoY +0.5pp QoQ	-2.0pp	12.6%	11.8%	11.6%	38%
Cost of Funds (YTD)	1.8% -0.2pp YoY 0.0pp QoQ	-0.1pp	1.9%	1.8%	1.7%	45%
Net Income ($, YTD)	$46.1M +47.8% YoY — QoQ	+$26.8M	$19.2M	$7.9M	$40.4M	92%

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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

#87 of 221 • Top 38.9% in tier

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

Why this signature

Delinquency Rate: 0.24%

(Tier: 0.87%, National: 0.98%)

better than tier avg

221 of 221 Mid-Market banks match · 920 nationally

→ Stable +1 banks QoQ

Concerns (1)

Liquidity Strain

risk

#39 of 361 • Bottom 10.5% 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: 94.20%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 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 (7 metrics)

Total Loans

size

Value: $5.30B

Peer Median: $1.96B

#49 of 885 Top 5.4% in $1B-$10B

Total Assets

size

Value: $7.07B

Peer Median: $2.79B

#57 of 885 Top 6.3% in $1B-$10B

Total Deposits

size

Value: $5.63B

Peer Median: $2.32B

#63 of 885 Top 7.0% in $1B-$10B

174

Non-Interest Income / Assets

revenue_mix

Value: 0.50%

Peer Median: 0.53%

#174 of 885 Top 19.5% in $1B-$10B

195

Tier 1 Capital Ratio

capital

Value: 15.62%

Peer Median: 14.84%

#195 of 885 Top 21.9% in $1B-$10B

217

Nonperforming Asset Ratio

credit_quality

Value: 0.18%

Peer Median: 0.67%

#217 of 885 Top 24.4% in $1B-$10B

217

Delinquency Rate

credit_quality

Value: 0.24%

Peer Median: 0.87%

#217 of 882 Top 24.5% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available