BlastPoint's Banking Scorecard

Columbia Savings and Loan Association

under $100M Specialty: Mortgage WI FDIC cert 28480

Designations: ✓ Community bank ✓ CDFI-certified ✓ Minority Depository Institution ✓ Mutual

Milwaukee, 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 536 banks in the under $100M peer group nationwide — 1 of 12 in WI.
Deposits -10.3% year over year ($19.3M on the books).
Delinquency rate 19.77%.
Return on assets -3.27%.
Efficiency ratio 176.02% vs a 119.40% peer average.
Loan-to-deposit ratio 83.40% vs a 74.21% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

536 banks in the under $100M peer group nationally 12 in WI

View under $100M leaderboard (WI) →

Columbia Savings and Loan Association has 1 strength but faces 7 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

+ Net Interest Margin 0.75% above tier average

Key Concerns

Areas that may need attention

- Return on Assets 4.26% below tier average
- Efficiency Ratio 56.62% above tier average
- Delinquency Rate 18.29% above tier average
- Non-Interest-Bearing Deposit Share 23.31% below tier average
- Nonperforming Asset Ratio 14.65% above tier average
- Tier 1 Capital Ratio 19.51% below tier average
- Non-Interest Income / Assets 1.38% below tier average

Get updates when Columbia Savings and Loan Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$20.6M -13.2% YoY -3.0% QoQ	-$41.9M	$62.4M -0.0% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	Bottom 4.7% in tier
Total Loans ?	$16.1M -14.9% YoY -5.1% QoQ	-$18.8M	$34.9M -0.6% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	20%
Total Deposits ?	$19.3M -10.3% YoY -2.1% QoQ	-$32.3M	$51.6M -0.2% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	Bottom 9.0% in tier
Return on Assets ?	-3.27% -194.9% YoY +9.0% QoQ	-4.26%	1.00% +3.5% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	Bottom 3.4% in tier
Net Interest Margin ?	4.66% -5.3% YoY +10.0% QoQ	+0.75%	3.91% +2.3% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	78%
Efficiency Ratio ?	176.02% +41.7% YoY -11.5% QoQ	+56.62%	119.40% +49.6% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	Bottom 3.0% in tier
Delinquency Rate ?	19.77% +175.8% YoY +35.0% QoQ	+18.29%	1.48% +31.8% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	Bottom 0.8% in tier
Loan-to-Deposit Ratio ?	83.40% -5.2% YoY -3.1% QoQ	+9.19%	74.21% +12.6% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	24%
Non-Interest-Bearing Deposit Share ?	0.18% -77.2% YoY -86.6% QoQ	-23.31%	23.49% +0.6% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	Bottom 5.2% in tier
Nonperforming Asset Ratio ?	15.49% +170.5% YoY +32.1% QoQ	+14.65%	0.84% +23.0% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	Bottom 0.4% in tier
Tier 1 Capital Ratio ?	7.62% -11.2% YoY +21.0% QoQ	-19.51%	27.13% +3.0% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	Bottom 0.6% in tier
Non-Interest Income / Assets ?	0.00% -95.7% YoY	-1.38%	1.38% +6.3% YoY	2.21% +12.7% YoY	0.66% +5.2% YoY	Bottom 3.0% in tier

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	0.2% -0.6pp YoY -1.2pp QoQ	-24.5pp	24.6%	18.9%	22.2%	0%
Brokered Deposits	n/a	n/a	9.8%	9.2%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
C&I	n/a	n/a	13.4%	10.5%	12.5%	n/a
CRE	n/a	n/a	25.2%	46.4%	41.4%	n/a
1-4 Family	69.1% +4.7pp YoY -0.2pp QoQ	+34.1pp	35.0%	32.3%	31.3%	86%
Consumer	1.7% +0.2pp YoY +0.1pp QoQ	-6.0pp	7.7%	2.6%	5.0%	19%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
CET1 Ratio	7.6%	-31.1pp	38.7%	15.5%	19.7%	1%
Leverage Ratio	5.5% -3.1pp YoY -0.8pp QoQ	-12.2pp	17.7%	12.6%	12.6%	1%
Total Capital Ratio	8.9%	-30.8pp	39.7%	16.6%	20.8%	1%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Full-Time Employees	4 -2 (-33.3%) YoY -2 (-33.3%) QoQ	-8	12	134	482	2%
Assets per Employee ($)	$5.1M +30.1% YoY +45.4% QoQ	-$1.0M	$6.2M	$8.2M	$8.8M	38%
Branch Count	1 0 YoY 0 QoQ	-1	1	9	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Past Due 90+ Days	14.2% +11.7pp YoY +5.0pp QoQ	+13.2pp	1.0%	0.4%	0.4%	100%
Nonaccrual	5.6% +0.9pp YoY +0.1pp QoQ	+3.8pp	1.7%	0.9%	1.0%	95%
Allowance Coverage	0.08x -43.6% YoY -23.5% QoQ	-6.33x	6.41x	56.89x	20.23x	0%
Net Charge-off Rate (YTD)	0.1%	-0.1pp	0.2%	0.0%	0.2%	59%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
ROE	-53.3% -40.8pp YoY +2.5pp QoQ	-59.7pp	6.4%	11.8%	11.6%	1%
Cost of Funds (YTD)	0.7% +0.1pp YoY +0.1pp QoQ	-0.8pp	1.4%	1.8%	1.7%	12%
Net Income ($, YTD)	$-345000.0 -159.4% YoY — QoQ	-$663K	$317,817	$7.9M	$40.4M	5%

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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 536 peers in under $100M

Top Strengths (1 metrics)

117

Net Interest Margin

profitability

Value: 4.66%

Peer Median: 3.91%

#117 of 536 Top 21.6% in under $100M

Top Weaknesses (11 metrics)

535

Nonperforming Asset Ratio

credit_quality

Value: 15.49%

Peer Median: 0.84%

#535 of 536 Bottom 0.4% in under $100M

534

Tier 1 Capital Ratio

capital

Value: 7.62%

Peer Median: 27.13%

#534 of 536 Bottom 0.6% in under $100M

514

Delinquency Rate

credit_quality

Value: 19.77%

Peer Median: 1.48%

#514 of 517 Bottom 0.8% in under $100M

521

Non-Interest Income / Assets

revenue_mix

Value: 0.00%

Peer Median: 1.38%

#521 of 536 Bottom 3.0% in under $100M

521

Efficiency Ratio

profitability

Value: 176.02%

Peer Median: 119.40%

#521 of 536 Bottom 3.0% in under $100M

519

Return on Assets

profitability

Value: -3.27%

Peer Median: 1.00%

#519 of 536 Bottom 3.4% in under $100M

512

Total Assets

size

Value: $20.56M

Peer Median: $62.44M

#512 of 536 Bottom 4.7% in under $100M

509

Non-Interest-Bearing Deposit Share

funding

Value: 0.18%

Peer Median: 23.49%

#509 of 536 Bottom 5.2% in under $100M

489

Total Deposits

size

Value: $19.31M

Peer Median: $51.62M

#489 of 536 Bottom 9.0% in under $100M

428

Total Loans

size

Value: $16.10M

Peer Median: $34.89M

#428 of 536 Bottom 20.3% in under $100M