BlastPoint's Banking Scorecard
The Bank of Brodhead
Brodhead, WI
4 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 110 in WI.
- Deposits +16.7% year over year ($338.2M on the books).
- Delinquency rate 1.26%.
- Return on assets 0.73%.
- Efficiency ratio 68.80% vs a 64.48% peer average.
- Loan-to-deposit ratio 86.78% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Bank of Brodhead faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.60% below tier average
- - Net Interest Margin 0.79% below tier average
- - Efficiency Ratio 4.32% above tier average
- - Delinquency Rate 0.34% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$421.9M
+14.7% YoY
+1.3% QoQ
|
+$35.3M |
$386.6M
+1.2% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
64% |
| Total Loans ? |
$293.5M
+13.8% YoY
+2.6% QoQ
|
+$35.1M |
$258.3M
+1.7% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
66% |
| Total Deposits ? |
$338.2M
+16.7% YoY
+0.4% QoQ
|
+$11.4M |
$326.7M
+0.7% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
61% |
| Return on Assets ? |
0.73%
+46.3% YoY
-3.0% QoQ
|
-0.60% |
1.32%
+10.8% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
20% |
| Net Interest Margin ? |
3.20%
+1.2% YoY
+2.2% QoQ
|
-0.79% |
3.99%
+5.0% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
16% |
| Efficiency Ratio ? |
68.80%
-12.3% YoY
-0.4% QoQ
|
+4.32% |
64.48%
-3.2% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
33% |
| Delinquency Rate ? |
1.26%
-31.4% QoQ
|
+0.34% |
0.92%
+15.7% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
86.78%
-2.5% YoY
+2.2% QoQ
|
+8.83% |
77.95%
+1.0% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
19.68%
-1.2% YoY
+3.9% QoQ
|
-2.35% |
22.03%
-0.6% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
44% |
| Nonperforming Asset Ratio ? |
0.87%
-30.4% QoQ
|
+0.20% |
0.67%
+16.4% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
24% |
| Tier 1 Capital Ratio ? |
9.20%
-7.5% YoY
+1.6% QoQ
|
-6.71% |
15.91%
+1.4% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
Bottom 2.3% in tier |
| Non-Interest Income / Assets ? |
0.15%
+0.7% YoY
+113.7% QoQ
|
-0.42% |
0.57%
+7.6% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
34% |
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 |
19.7%
-0.2pp YoY +0.7pp QoQ |
-2.5pp | 22.1% | 18.9% | 22.2% | 44% |
| Brokered Deposits |
11.1%
+1.0pp YoY 0.0pp QoQ |
+3.3pp | 7.9% | 9.2% | 8.5% | 78% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.8%
+1.8pp YoY -0.2pp QoQ |
+0.2pp | 11.6% | 10.5% | 12.5% | 62% |
| CRE |
43.0%
+2.8pp YoY +1.3pp QoQ |
+3.4pp | 39.5% | 46.4% | 41.4% | 58% |
| 1-4 Family |
26.6%
-3.9pp YoY -0.8pp QoQ |
-6.1pp | 32.6% | 32.3% | 31.3% | 44% |
| Consumer |
0.7%
-0.6pp YoY -0.1pp QoQ |
-3.4pp | 4.1% | 2.6% | 5.0% | 20% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.5% | 19.7% | n/a |
| Leverage Ratio |
9.2%
-0.7pp YoY +0.1pp QoQ |
-3.0pp | 12.2% | 12.6% | 12.6% | 15% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
44
+2 (+4.8%) YoY -1 (-2.2%) QoQ |
-15 | 58 | 134 | 482 | 46% |
| Assets per Employee ($) |
$9.6M
+9.5% YoY +3.6% QoQ |
+$2.1M | $7.5M | $8.2M | $8.8M | 84% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 9 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
1.3%
+1.1pp YoY -0.1pp QoQ |
+0.3pp | 0.9% | 0.9% | 1.0% | 77% |
| Allowance Coverage |
0.91x
-90.9% YoY +49.5% QoQ |
-23.25x | 24.15x | 56.89x | 20.23x | 24% |
| Net Charge-off Rate (YTD) |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.0% | 0.2% | 29% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.2%
+2.9pp YoY -0.2pp QoQ |
-4.0pp | 12.2% | 11.8% | 11.6% | 26% |
| Cost of Funds (YTD) |
2.6%
+0.1pp YoY 0.0pp QoQ |
+0.9pp | 1.7% | 1.8% | 1.7% | 92% |
| Net Income ($, YTD) |
$1.5M
+72.4% YoY — QoQ |
-$1.0M | $2.6M | $7.9M | $40.4M | 42% |
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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.