BlastPoint's Banking Scorecard

Bank of Deerfield

$100M-$1B Specialty: Commercial WI FDIC cert 2477

Deerfield, WI

2 branches across WI

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

Bank of Deerfield has 4 strengths but faces 1 concern

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

+ ROA 0.37% above tier average
+ Net Interest Margin 0.13% above tier average
+ Efficiency Ratio 5.88% below tier average
+ Delinquency Rate 0.76% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 27.21% above tier average

Get updates when Bank of Deerfield releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$261.5M +11.7% YoY +0.1% QoQ	-$124.6M	$386.1M +0.5% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	39%
Total Loans ?	$232.3M +13.1% YoY +0.6% QoQ	-$23.4M	$255.7M +1.1% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	56%
Total Deposits ?	$223.7M +12.5% YoY -0.0% QoQ	-$104.2M	$328.0M +0.1% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	40%
Return on Assets ?	1.64% +4.9% YoY -0.7% QoQ	+0.37%	1.27% +12.9% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	74%
Net Interest Margin ?	4.06% +4.0% YoY -3.0% QoQ	+0.13%	3.93% +6.0% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	60%
Efficiency Ratio ?	59.40% -1.1% YoY -1.5% QoQ	-5.88%	65.29% -4.5% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	62%
Delinquency Rate ?	0.12% -58.2% YoY +4.5% QoQ	-0.76%	0.89% +18.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	71%
Loan-to-Deposit Ratio ?	103.85% +0.5% YoY +0.6% QoQ	+27.21%	76.64% +0.8% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	Bottom 5.5% in tier
Non-Interest-Bearing Deposit Share ?	14.44% -9.4% YoY -7.6% QoQ	-7.58%	22.02% -1.0% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	22%
Nonperforming Asset Ratio ?	0.11% -57.7% YoY +4.9% QoQ	-0.53%	0.64% +19.7% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	69%
Tier 1 Capital Ratio ?	12.93% -1.8% YoY +3.8% QoQ	-2.90%	15.83% +1.5% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	46%
Non-Interest Income / Assets ?	0.11% +15.7% YoY -69.6% QoQ	-0.17%	0.28% +9.3% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	57%

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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 (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

2519

Loan-to-Deposit Ratio

liquidity

Value: 103.85%

Peer Median: 76.64%

#2519 of 2664 Bottom 5.5% in $100M-$1B

2079

Non-Interest-Bearing Deposit Share

funding

Value: 14.44%

Peer Median: 22.02%

#2079 of 2664 Bottom 22.0% in $100M-$1B