BlastPoint's Banking Scorecard
Badger Bank
Fort Atkinson, 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 -0.8% year over year ($164.6M on the books).
- Delinquency rate 0.07%.
- Return on assets 1.37%.
- Efficiency ratio 60.70% vs a 64.48% peer average.
- Loan-to-deposit ratio 84.41% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Badger Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 21.1% in tier
- + Efficiency Ratio 3.78% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.09% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$206.0M
+4.5% YoY
-1.3% QoQ
|
-$180.5M |
$386.6M
+1.2% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
28% |
| Total Loans ? |
$139.0M
+5.9% YoY
-1.1% QoQ
|
-$119.4M |
$258.3M
+1.7% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
31% |
| Total Deposits ? |
$164.6M
-0.8% YoY
-4.8% QoQ
|
-$162.1M |
$326.7M
+0.7% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
25% |
| Return on Assets ? |
1.37%
+13.2% YoY
+7.0% QoQ
|
+0.05% |
1.32%
+10.8% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
57% |
| Net Interest Margin ? |
3.90%
+10.2% YoY
+7.3% QoQ
|
-0.09% |
3.99%
+5.0% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
48% |
| Efficiency Ratio ? |
60.70%
-2.8% YoY
-0.6% QoQ
|
-3.78% |
64.48%
-3.2% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
55% |
| Delinquency Rate ? |
0.07%
-37.0% YoY
-96.7% QoQ
|
-0.84% |
0.92%
+15.7% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
84.41%
+6.7% YoY
+3.9% QoQ
|
+6.46% |
77.95%
+1.0% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
23.68%
+1.1% YoY
+3.7% QoQ
|
+1.65% |
22.03%
-0.6% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
61% |
| Nonperforming Asset Ratio ? |
0.06%
-37.7% YoY
-96.1% QoQ
|
-0.61% |
0.67%
+16.4% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
77% |
| Tier 1 Capital Ratio ? |
12.40%
+0.1% YoY
+3.6% QoQ
|
-3.51% |
15.91%
+1.4% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.40%
-4.2% YoY
+105.2% QoQ
|
-0.17% |
0.57%
+7.6% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
Top 14.9% in tier |
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 |
23.7%
+0.3pp YoY +0.8pp QoQ |
+1.5pp | 22.1% | 18.9% | 22.2% | 61% |
| Brokered Deposits |
1.3%
-2.3pp YoY -2.5pp QoQ |
-6.5pp | 7.9% | 9.2% | 8.5% | 22% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.0%
+0.7pp YoY +0.3pp QoQ |
-7.5pp | 11.6% | 10.5% | 12.5% | 15% |
| CRE |
43.0%
+1.2pp YoY -0.3pp QoQ |
+3.4pp | 39.5% | 46.4% | 41.4% | 58% |
| 1-4 Family |
48.4%
-0.9pp YoY -0.1pp QoQ |
+15.7pp | 32.6% | 32.3% | 31.3% | 81% |
| Consumer |
1.1%
-0.1pp YoY +0.2pp QoQ |
-3.0pp | 4.1% | 2.6% | 5.0% | 31% |
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 |
12.4%
0.0pp YoY +0.4pp QoQ |
+0.2pp | 12.2% | 12.6% | 12.6% | 69% |
| 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 |
38
+2 (+5.6%) YoY 0 QoQ |
-21 | 58 | 134 | 482 | 39% |
| Assets per Employee ($) |
$5.4M
-1.0% YoY -1.3% QoQ |
-$2.1M | $7.5M | $8.2M | $8.8M | 21% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 9 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.1%
-0.1pp YoY -2.2pp QoQ |
-0.8pp | 0.9% | 0.9% | 1.0% | 17% |
| Allowance Coverage |
14.49x
+53.6% YoY +3060.6% QoQ |
-9.66x | 24.15x | 56.89x | 20.23x | 86% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.0% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.7%
+0.8pp YoY +0.6pp QoQ |
+0.5pp | 12.2% | 11.8% | 11.6% | 54% |
| Cost of Funds (YTD) |
1.4%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.8% | 1.7% | 32% |
| Net Income ($, YTD) |
$1.4M
+18.5% YoY — QoQ |
-$1.1M | $2.6M | $7.9M | $40.4M | 40% |
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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)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.