BlastPoint's Banking Scorecard
Bank of Deerfield
Deerfield, WI
2 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 +13.6% year over year ($230.5M on the books).
- Delinquency rate 0.13%.
- Return on assets 1.55%.
- Efficiency ratio 61.35% vs a 64.48% peer average.
- Loan-to-deposit ratio 100.21% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Deerfield shows strong momentum with 4 strengths and 12.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.23% above tier average
- + Net Interest Margin 0.10% above tier average
- + Efficiency Ratio 3.13% below tier average
- + Delinquency Rate 0.79% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$268.3M
+12.5% YoY
+2.6% QoQ
|
-$118.3M |
$386.6M
+1.2% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
40% |
| Total Loans ? |
$231.0M
+10.7% YoY
-0.6% QoQ
|
-$27.4M |
$258.3M
+1.7% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
55% |
| Total Deposits ? |
$230.5M
+13.6% YoY
+3.0% QoQ
|
-$96.2M |
$326.7M
+0.7% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
41% |
| Return on Assets ? |
1.55%
-7.8% YoY
-5.1% QoQ
|
+0.23% |
1.32%
+10.8% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
68% |
| Net Interest Margin ? |
4.09%
-2.8% YoY
+0.6% QoQ
|
+0.10% |
3.99%
+5.0% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
58% |
| Efficiency Ratio ? |
61.35%
+2.9% YoY
+3.3% QoQ
|
-3.13% |
64.48%
-3.2% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
53% |
| Delinquency Rate ? |
0.13%
-1.0% YoY
+6.5% QoQ
|
-0.79% |
0.92%
+15.7% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
100.21%
-2.6% YoY
-3.5% QoQ
|
+22.26% |
77.95%
+1.0% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
Bottom 10.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.58%
+4.1% YoY
+7.9% QoQ
|
-6.45% |
22.03%
-0.6% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
27% |
| Nonperforming Asset Ratio ? |
0.11%
-2.5% YoY
+3.2% QoQ
|
-0.55% |
0.67%
+16.4% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
69% |
| Tier 1 Capital Ratio ? |
12.95%
+6.0% YoY
+0.2% QoQ
|
-2.96% |
15.91%
+1.4% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
47% |
| Non-Interest Income / Assets ? |
0.19%
+3.1% YoY
+79.8% QoQ
|
-0.37% |
0.57%
+7.6% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
48% |
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 |
15.6%
+0.6pp YoY +1.1pp QoQ |
-6.6pp | 22.1% | 18.9% | 22.2% | 26% |
| Brokered Deposits |
22.6%
+2.4pp YoY -1.5pp QoQ |
+14.7pp | 7.9% | 9.2% | 8.5% | 93% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.5%
+2.4pp YoY +0.2pp QoQ |
-4.1pp | 11.6% | 10.5% | 12.5% | 36% |
| CRE |
33.1%
-0.2pp YoY -0.6pp QoQ |
-6.4pp | 39.5% | 46.4% | 41.4% | 40% |
| 1-4 Family |
53.5%
-1.3pp YoY +0.3pp QoQ |
+20.8pp | 32.6% | 32.3% | 31.3% | 85% |
| Consumer |
0.6%
-0.2pp YoY -0.1pp QoQ |
-3.5pp | 4.1% | 2.6% | 5.0% | 18% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.9%
+0.7pp YoY 0.0pp QoQ |
-5.9pp | 18.8% | 15.5% | 19.7% | 27% |
| Leverage Ratio |
10.5%
-0.2pp YoY +0.1pp QoQ |
-1.7pp | 12.2% | 12.6% | 12.6% | 41% |
| Total Capital Ratio |
14.2%
+0.7pp YoY 0.0pp QoQ |
-5.7pp | 19.9% | 16.6% | 20.8% | 29% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
34
+6 (+21.4%) YoY +1 (+3.0%) QoQ |
-25 | 58 | 134 | 482 | 33% |
| Assets per Employee ($) |
$7.9M
-7.4% YoY -0.4% QoQ |
+$372K | $7.5M | $8.2M | $8.8M | 66% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 9 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.8pp | 0.9% | 0.9% | 1.0% | 22% |
| Allowance Coverage |
9.69x
-2.8% YoY -3.6% QoQ |
-14.47x | 24.15x | 56.89x | 20.23x | 81% |
| Net Charge-off Rate (YTD) |
-0.0%
+0.2pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.0% | 0.2% | 27% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.1%
-1.2pp YoY -0.9pp QoQ |
+2.9pp | 12.2% | 11.8% | 11.6% | 68% |
| Cost of Funds (YTD) |
2.7%
-0.1pp YoY -0.1pp QoQ |
+0.9pp | 1.7% | 1.8% | 1.7% | 93% |
| Net Income ($, YTD) |
$2.0M
+3.3% YoY — QoQ |
-$509K | $2.6M | $7.9M | $40.4M | 53% |
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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.