BlastPoint's Banking Scorecard

Superior Savings Bank

under $100M Specialty: Mortgage WI FDIC cert 28790

Designations: ✓ Community bank ✓ Mutual

Superior, WI

541 banks in the under $100M peer group nationally 11 in WI

Superior Savings Bank has 5 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

+ Non-Interest Income / Assets 0.43% below tier average
+ ROA 0.13% above tier average
+ Net Interest Margin 0.16% above tier average
+ Efficiency Ratio 18.10% below tier average
+ Delinquency Rate 0.28% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 40.70% above 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 ?	$93.9M +9.5% YoY +0.1% QoQ	+$31.7M	$62.2M -0.6% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	Top 7.9% in tier
Total Loans ?	$80.7M +8.6% YoY +1.7% QoQ	+$46.4M	$34.2M -1.4% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	Top 0.6% in tier
Total Deposits ?	$76.9M +13.9% YoY -0.3% QoQ	+$25.2M	$51.7M -0.7% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	Top 14.2% in tier
Return on Assets ?	0.97% +103.2% YoY +50.7% QoQ	+0.13%	0.84% -2.3% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	52%
Net Interest Margin ?	4.02% +10.2% YoY +2.6% QoQ	+0.16%	3.86% +2.8% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	60%
Efficiency Ratio ?	70.24% -12.7% YoY -8.5% QoQ	-18.10%	88.34% +0.3% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	53%
Delinquency Rate ?	1.09% -14.4% YoY -20.8% QoQ	-0.28%	1.37% +33.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	34%
Loan-to-Deposit Ratio ?	104.92% -4.6% YoY +2.0% QoQ	+40.70%	64.22% -0.7% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	Bottom 4.6% in tier
Non-Interest-Bearing Deposit Share ?	5.92% -28.0% YoY -29.9% QoQ	-17.80%	23.71% +0.3% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	Bottom 11.3% in tier
Nonperforming Asset Ratio ?	0.94% -15.1% YoY -19.6% QoQ	+0.15%	0.79% +28.2% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	24%
Tier 1 Capital Ratio ?	17.02% -4.9% YoY +5.1% QoQ	-9.67%	26.68% +2.0% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	58%
Non-Interest Income / Assets ?	0.23% +99.0% YoY -48.6% QoQ	-0.43%	0.67% +1.9% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	Top 9.4% in tier

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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 541 peers in under $100M

Top Strengths (4 metrics)

Total Loans

size

Value: $80.68M

Peer Median: $34.25M

#4 of 541 Top 0.6% in under $100M

Total Assets

size

Value: $93.88M

Peer Median: $62.16M

#44 of 541 Top 7.9% in under $100M

Non-Interest Income / Assets

revenue_mix

Value: 0.23%

Peer Median: 0.67%

#52 of 541 Top 9.4% in under $100M

Total Deposits

size

Value: $76.90M

Peer Median: $51.74M

#78 of 541 Top 14.2% in under $100M

Top Weaknesses (3 metrics)

517

Loan-to-Deposit Ratio

liquidity

Value: 104.92%

Peer Median: 64.22%

#517 of 541 Bottom 4.6% in under $100M

481

Non-Interest-Bearing Deposit Share

funding

Value: 5.92%

Peer Median: 23.71%

#481 of 541 Bottom 11.3% in under $100M

410

Nonperforming Asset Ratio

credit_quality

Value: 0.94%

Peer Median: 0.79%

#410 of 541 Bottom 24.4% in under $100M