BlastPoint's Banking Scorecard
Bankers' Bank
Madison, WI
Bankers' Bank has 2 strengths but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 32.1% in tier
- + Non-Interest-Bearing Deposit Share 15.65% above tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 6.2% in tier
- - Flatlined Growth: Bottom 14.7% in tier
- - Capital Constraint: Bottom 86.5% in tier
- - Net Interest Margin 1.19% below tier average
- - ROA 0.50% below tier average
- - Efficiency Ratio 5.52% above tier average
- - Delinquency Rate 0.57% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
-1.1% YoY
+1.9% QoQ
|
-$1.4B |
$2.8B
-0.1% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
31% |
| Total Loans ? |
$1.1B
+2.2% YoY
+1.4% QoQ
|
-$855.7M |
$2.0B
+0.6% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
38% |
| Total Deposits ? |
$904.9M
-7.6% YoY
+12.0% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
Bottom 7.2% in tier |
| Return on Assets ? |
0.87%
+29.5% YoY
+8.7% QoQ
|
-0.50% |
1.37%
+19.6% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
24% |
| Net Interest Margin ? |
2.63%
+29.3% YoY
+14.0% QoQ
|
-1.19% |
3.82%
+6.9% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
Bottom 7.0% in tier |
| Efficiency Ratio ? |
66.58%
-5.6% YoY
+5.3% QoQ
|
+5.52% |
61.06%
-4.6% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
30% |
| Delinquency Rate ? |
1.46%
-11.8% YoY
+3.3% QoQ
|
+0.57% |
0.89%
+14.1% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
122.57%
+10.7% YoY
-9.5% QoQ
|
+38.37% |
84.20%
+0.3% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 2.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
36.94%
-0.8% YoY
-1.3% QoQ
|
+15.65% |
21.29%
-2.5% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
Top 6.6% in tier |
| Nonperforming Asset Ratio ? |
1.12%
-8.8% YoY
+2.8% QoQ
|
+0.45% |
0.67%
+15.6% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
17% |
| Tier 1 Capital Ratio ? |
15.63%
+12.1% YoY
-0.4% QoQ
|
+0.47% |
15.16%
+2.0% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.46%
+10.8% YoY
-73.9% QoQ
|
+0.21% |
0.26%
+1.6% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
Top 6.8% in tier |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (3)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.