BlastPoint's Banking Scorecard
Bank of Ontario
Designations: ✓ Community bank
Ontario, WI
3 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 536 banks in the under $100M peer group nationwide — 1 of 12 in WI.
- Deposits -2.1% year over year ($67.4M on the books).
- Delinquency rate 8.73%.
- Return on assets 1.16%.
- Efficiency ratio 61.32% vs a 119.40% peer average.
- Loan-to-deposit ratio 94.82% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Ontario has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.16% above tier average
- + Net Interest Margin 1.16% above tier average
- + Efficiency Ratio 58.08% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 7.25% above tier average
- - Nonperforming Asset Ratio 6.23% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$79.0M
-3.4% YoY
-1.9% QoQ
|
+$16.6M |
$62.4M
-0.0% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
70% |
| Total Loans ? |
$63.9M
-1.0% YoY
-1.1% QoQ
|
+$29.0M |
$34.9M
-0.6% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
Top 10.1% in tier |
| Total Deposits ? |
$67.4M
-2.1% YoY
-0.8% QoQ
|
+$15.8M |
$51.6M
-0.2% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
70% |
| Return on Assets ? |
1.16%
-8.3% YoY
+21.1% QoQ
|
+0.16% |
1.00%
+3.5% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
59% |
| Net Interest Margin ? |
5.07%
+3.5% YoY
+3.6% QoQ
|
+1.16% |
3.91%
+2.3% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
Top 10.6% in tier |
| Efficiency Ratio ? |
61.32%
-2.5% YoY
-5.7% QoQ
|
-58.08% |
119.40%
+49.6% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
71% |
| Delinquency Rate ? |
8.73%
+31.7% YoY
-1.9% QoQ
|
+7.25% |
1.48%
+31.8% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
Bottom 2.7% in tier |
| Loan-to-Deposit Ratio ? |
94.82%
+1.1% YoY
-0.3% QoQ
|
+20.61% |
74.21%
+12.6% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
Bottom 13.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.04%
-8.9% YoY
+6.8% QoQ
|
-1.45% |
23.49%
+0.6% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
46% |
| Nonperforming Asset Ratio ? |
7.07%
+35.0% YoY
-1.1% QoQ
|
+6.23% |
0.84%
+23.0% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
Bottom 0.9% in tier |
| Tier 1 Capital Ratio ? |
13.85%
+3.8% YoY
+0.0% QoQ
|
-13.27% |
27.13%
+3.0% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
39% |
| Non-Interest Income / Assets ? |
0.17%
-25.0% YoY
+152.0% QoQ
|
-1.21% |
1.38%
+6.3% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
62% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
22.0%
-2.2pp YoY +1.4pp QoQ |
-2.6pp | 24.6% | 18.9% | 22.2% | 43% |
| Brokered Deposits |
8.6%
-5.1pp YoY -2.1pp QoQ |
-1.2pp | 9.8% | 9.2% | 8.5% | 62% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
13.6%
-2.6pp YoY -3.4pp QoQ |
+0.2pp | 13.4% | 10.5% | 12.5% | 63% |
| CRE | n/a | n/a | 25.2% | 46.4% | 41.4% | n/a |
| 1-4 Family |
35.4%
+2.6pp YoY +1.3pp QoQ |
+0.4pp | 35.0% | 32.3% | 31.3% | 56% |
| Consumer |
5.2%
-0.2pp YoY -0.2pp QoQ |
-2.5pp | 7.7% | 2.6% | 5.0% | 51% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 15.5% | 19.7% | n/a |
| Leverage Ratio |
13.9%
+0.5pp YoY 0.0pp QoQ |
-3.8pp | 17.7% | 12.6% | 12.6% | 61% |
| Total Capital Ratio | n/a | n/a | 39.7% | 16.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
15
-1 (-6.2%) YoY 0 QoQ |
+3 | 12 | 134 | 482 | 73% |
| Assets per Employee ($) |
$5.3M
+3.0% YoY -1.9% QoQ |
-$921K | $6.2M | $8.2M | $8.8M | 40% |
| Branch Count |
3
0 YoY 0 QoQ |
+1 | 1 | 9 | 18 | 89% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
8.7%
+2.1pp YoY -0.2pp QoQ |
+7.0pp | 1.7% | 0.9% | 1.0% | 97% |
| Allowance Coverage |
0.26x
-12.8% YoY +18.6% QoQ |
-6.15x | 6.41x | 56.89x | 20.23x | 6% |
| Net Charge-off Rate (YTD) |
-0.1%
-0.6pp YoY 0.0pp QoQ |
-0.3pp | 0.2% | 0.0% | 0.2% | 9% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.5%
-1.5pp YoY +1.4pp QoQ |
+2.1pp | 6.4% | 11.8% | 11.6% | 53% |
| Cost of Funds (YTD) |
1.9%
-0.3pp YoY 0.0pp QoQ |
+0.5pp | 1.4% | 1.8% | 1.7% | 81% |
| Net Income ($, YTD) |
$466,000
-9.3% YoY — QoQ |
+$148K | $317,817 | $7.9M | $40.4M | 70% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.