BlastPoint's Banking Scorecard

Bankers' Bank

$1B-$10B Specialty: Commercial WI FDIC cert 23537

Madison, 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 +6.7% year over year ($951.9M on the books).
Delinquency rate 0.56%.
Return on assets 0.91%.
Efficiency ratio 65.99% vs a 59.73% peer average.
Loan-to-deposit ratio 116.21% 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) →

Bankers' Bank has 3 strengths 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

+ Revenue Diversifier: Top 32.9% in tier
+ Non-Interest-Bearing Deposit Share 13.21% above tier average
+ Delinquency Rate 0.31% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 1.16% below tier average
- Loan-to-Deposit Ratio 31.17% above tier average
- ROA 0.49% below tier average
- Efficiency Ratio 6.26% above tier average

Get updates when Bankers' 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 +2.4% YoY +1.5% QoQ	-$1.3B	$2.8B -0.6% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	33%
Total Loans ?	$1.1B +0.0% YoY -0.3% QoQ	-$857.1M	$2.0B -0.3% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	38%
Total Deposits ?	$951.9M +6.7% YoY +5.2% QoQ	-$1.4B	$2.3B -0.5% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	Bottom 12.1% in tier
Return on Assets ?	0.91% +32.4% YoY +4.6% QoQ	-0.49%	1.39% +17.0% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	24%
Net Interest Margin ?	2.71% +28.2% YoY +2.9% QoQ	-1.16%	3.87% +6.2% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	Bottom 6.9% in tier
Efficiency Ratio ?	65.99% -3.8% YoY -0.9% QoQ	+6.26%	59.73% -12.6% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	29%
Delinquency Rate ?	0.56% -63.1% YoY -62.1% QoQ	-0.31%	0.87% +11.7% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	48%
Loan-to-Deposit Ratio ?	116.21% -6.3% YoY -5.2% QoQ	+31.17%	85.04% -0.1% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	Bottom 2.9% in tier
Non-Interest-Bearing Deposit Share ?	34.49% -2.3% YoY -6.6% QoQ	+13.21%	21.27% -1.5% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	Top 9.2% in tier
Nonperforming Asset Ratio ?	0.98% -15.7% YoY -12.7% QoQ	+0.31%	0.67% +11.7% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	22%
Tier 1 Capital Ratio ?	15.86% +14.8% YoY +1.5% QoQ	+1.02%	14.84% -0.4% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	79%
Non-Interest Income / Assets ?	0.92% +5.8% YoY +96.9% QoQ	+0.39%	0.53% +2.5% YoY	2.21% +12.7% YoY	0.66% +5.2% YoY	Top 7.3% in tier

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	34.5% -0.8pp YoY -2.5pp QoQ	+13.1pp	21.4%	18.9%	22.2%	91%
Brokered Deposits	20.5% -4.5pp YoY -2.4pp QoQ	+11.0pp	9.5%	9.2%	8.5%	89%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
C&I	3.2% +0.6pp YoY -0.4pp QoQ	-10.8pp	14.0%	10.5%	12.5%	10%
CRE	46.0% -7.0pp YoY -4.4pp QoQ	-4.0pp	50.0%	46.4%	41.4%	39%
1-4 Family	9.1% -0.4pp YoY +0.5pp QoQ	-17.3pp	26.4%	32.3%	31.3%	14%
Consumer	1.3% +0.2pp YoY +0.1pp QoQ	-3.4pp	4.7%	2.6%	5.0%	52%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
CET1 Ratio	15.9% +2.0pp YoY +0.2pp QoQ	+0.3pp	15.6%	15.5%	19.7%	77%
Leverage Ratio	14.7% +2.1pp YoY 0.0pp QoQ	+3.4pp	11.3%	12.6%	12.6%	92%
Total Capital Ratio	17.0% +2.3pp YoY +0.2pp QoQ	+0.3pp	16.7%	16.6%	20.8%	77%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Full-Time Employees	132 +4 (+3.1%) YoY +1 (+0.8%) QoQ	-182	313	134	482	17%
Assets per Employee ($)	$11.1M -0.7% YoY +0.8% QoQ	+$644K	$10.5M	$8.2M	$8.8M	73%
Branch Count	1 0 YoY 0 QoQ	-19	20	9	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.4%	0.4%	66%
Nonaccrual	0.5% -1.0pp YoY -0.9pp QoQ	-0.3pp	0.8%	0.9%	1.0%	49%
Allowance Coverage	2.36x +250.3% YoY +154.2% QoQ	-16.35x	18.71x	56.89x	20.23x	55%
Net Charge-off Rate (YTD)	0.3% -0.1pp YoY +0.2pp QoQ	0.0pp	0.3%	0.0%	0.2%	86%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
ROE	6.8% +0.6pp YoY +0.3pp QoQ	-5.8pp	12.6%	11.8%	11.6%	15%
Cost of Funds (YTD)	2.4% -0.4pp YoY 0.0pp QoQ	+0.5pp	1.9%	1.8%	1.7%	82%
Net Income ($, YTD)	$6.5M +31.4% YoY — QoQ	-$12.7M	$19.2M	$7.9M	$40.4M	20%

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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)

Revenue Diversifier

growth

#74 of 222 • Top 32.9% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.92%

(Tier: 0.53%, National: 0.66%)

better than tier avg

Return on Assets: 0.91%

(Tier: 1.39%, National: 1.30%)

but worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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 (3 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.92%

Peer Median: 0.53%

#66 of 885 Top 7.3% in $1B-$10B

Non-Interest-Bearing Deposit Share

funding

Value: 34.49%

Peer Median: 21.27%

#82 of 885 Top 9.2% in $1B-$10B

183

Tier 1 Capital Ratio

capital

Value: 15.86%

Peer Median: 14.84%

#183 of 885 Top 20.6% in $1B-$10B

Top Weaknesses (5 metrics)

860

Loan-to-Deposit Ratio

liquidity

Value: 116.21%

Peer Median: 85.04%

#860 of 885 Bottom 2.9% in $1B-$10B

825

Net Interest Margin

profitability

Value: 2.71%

Peer Median: 3.87%

#825 of 885 Bottom 6.9% in $1B-$10B

779

Total Deposits

size

Value: $951.87M

Peer Median: $2.32B

#779 of 885 Bottom 12.1% in $1B-$10B

689

Nonperforming Asset Ratio

credit_quality

Value: 0.98%

Peer Median: 0.67%

#689 of 885 Bottom 22.3% in $1B-$10B

678

Return on Assets

profitability

Value: 0.91%

Peer Median: 1.39%

#678 of 885 Bottom 23.5% in $1B-$10B