BlastPoint's Banking Scorecard

Badger Bank

$100M-$1B Specialty: Commercial WI FDIC cert 2469

Fort Atkinson, WI

4 branches across WI

2664 banks in the $100M-$1B peer group nationally 113 in WI

Badger Bank has 1 strength but faces 2 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

+ Efficiency Ratio 4.22% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 1.40% above tier average
- Net Interest Margin 0.30% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$208.8M +5.6% YoY +0.2% QoQ	-$177.3M	$386.1M +0.5% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	29%
Total Loans ?	$140.5M +8.7% YoY +3.4% QoQ	-$115.2M	$255.7M +1.1% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	33%
Total Deposits ?	$172.9M +3.1% YoY -0.2% QoQ	-$155.0M	$328.0M +0.1% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	27%
Return on Assets ?	1.28% +0.6% YoY -3.1% QoQ	+0.01%	1.27% +12.9% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	54%
Net Interest Margin ?	3.64% +4.5% YoY -2.0% QoQ	-0.30%	3.93% +6.0% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	37%
Efficiency Ratio ?	61.07% +0.7% YoY -2.6% QoQ	-4.22%	65.29% -4.5% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	57%
Delinquency Rate ?	2.29%	+1.40%	0.89% +18.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	Bottom 9.8% in tier
Loan-to-Deposit Ratio ?	81.26% +5.4% YoY +3.6% QoQ	+4.62%	76.64% +0.8% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	44%
Non-Interest-Bearing Deposit Share ?	22.84% -3.5% YoY +0.7% QoQ	+0.82%	22.02% -1.0% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	58%
Nonperforming Asset Ratio ?	1.55%	+0.91%	0.64% +19.7% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	Bottom 10.9% in tier
Tier 1 Capital Ratio ?	11.97% -2.4% YoY +1.8% QoQ	-3.86%	15.83% +1.5% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	35%
Non-Interest Income / Assets ?	0.19% -13.8% YoY -74.5% QoQ	-0.09%	0.28% +9.3% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	85%

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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 (0)

No matched strength signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

403

Non-Interest Income / Assets

revenue_mix

Value: 0.19%

Peer Median: 0.28%

#403 of 2664 Top 15.1% in $100M-$1B

Top Weaknesses (2 metrics)

2394

Delinquency Rate

credit_quality

Value: 2.29%

Peer Median: 0.89%

#2394 of 2654 Bottom 9.8% in $100M-$1B

2375

Nonperforming Asset Ratio

credit_quality

Value: 1.55%

Peer Median: 0.64%

#2375 of 2664 Bottom 10.9% in $100M-$1B