BlastPoint's Banking Scorecard
Superior Savings Bank
Designations: ✓ Community bank ✓ Mutual
Superior, 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 +19.5% year over year ($81.4M on the books).
- Delinquency rate 1.17%.
- Return on assets 0.85%.
- Efficiency ratio 71.88% vs a 119.40% peer average.
- Loan-to-deposit ratio 100.05% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Superior Savings Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.05% above tier average
- + Efficiency Ratio 47.52% below tier average
- + Delinquency Rate 0.31% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 25.84% above tier average
- - ROA 0.15% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$98.8M
+16.5% YoY
+5.2% QoQ
|
+$36.3M |
$62.4M
-0.0% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
Top 0.9% in tier |
| Total Loans ? |
$81.5M
+9.8% YoY
+1.0% QoQ
|
+$46.6M |
$34.9M
-0.6% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
Top 0.9% in tier |
| Total Deposits ? |
$81.4M
+19.5% YoY
+5.9% QoQ
|
+$29.8M |
$51.6M
-0.2% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
Top 7.6% in tier |
| Return on Assets ? |
0.85%
+40.0% YoY
-12.1% QoQ
|
-0.15% |
1.00%
+3.5% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
43% |
| Net Interest Margin ? |
3.96%
+2.5% YoY
-1.3% QoQ
|
+0.05% |
3.91%
+2.3% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
54% |
| Efficiency Ratio ? |
71.88%
-6.9% YoY
+2.3% QoQ
|
-47.52% |
119.40%
+49.6% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
48% |
| Delinquency Rate ? |
1.17%
+8.9% YoY
+7.2% QoQ
|
-0.31% |
1.48%
+31.8% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
100.05%
-8.1% YoY
-4.6% QoQ
|
+25.84% |
74.21%
+12.6% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
Bottom 8.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
7.26%
-17.8% YoY
+22.8% QoQ
|
-16.23% |
23.49%
+0.6% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
Bottom 12.1% in tier |
| Nonperforming Asset Ratio ? |
0.97%
+2.7% YoY
+2.9% QoQ
|
+0.13% |
0.84%
+23.0% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
25% |
| Tier 1 Capital Ratio ? |
16.30%
-8.7% YoY
-4.2% QoQ
|
-10.83% |
27.13%
+3.0% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.33%
+40.0% YoY
+41.7% QoQ
|
-1.05% |
1.38%
+6.3% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
Top 14.0% 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 |
7.3%
-1.6pp YoY +1.3pp QoQ |
-17.4pp | 24.6% | 18.9% | 22.2% | 8% |
| 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 |
6.6%
+1.8pp YoY 0.0pp QoQ |
-6.8pp | 13.4% | 10.5% | 12.5% | 30% |
| CRE |
14.9%
-5.7pp YoY -2.2pp QoQ |
-10.3pp | 25.2% | 46.4% | 41.4% | 30% |
| 1-4 Family |
77.6%
+3.8pp YoY +2.5pp QoQ |
+42.6pp | 35.0% | 32.3% | 31.3% | 90% |
| Consumer |
3.1%
+0.1pp YoY -0.2pp QoQ |
-4.5pp | 7.7% | 2.6% | 5.0% | 34% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 15.5% | 19.7% | n/a |
| Leverage Ratio |
16.3%
-1.6pp YoY -0.7pp QoQ |
-1.4pp | 17.7% | 12.6% | 12.6% | 76% |
| Total Capital Ratio | n/a | n/a | 39.7% | 16.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
14
-1 (-6.7%) YoY -1 (-6.7%) QoQ |
+2 | 12 | 134 | 482 | 67% |
| Assets per Employee ($) |
$7.1M
+24.9% YoY +12.7% QoQ |
+$867K | $6.2M | $8.2M | $8.8M | 67% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 9 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
1.2%
+0.1pp YoY +0.1pp QoQ |
-0.6pp | 1.7% | 0.9% | 1.0% | 61% |
| Allowance Coverage |
1.88x
-11.2% YoY -6.0% QoQ |
-4.53x | 6.41x | 56.89x | 20.23x | 60% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.0% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.9%
+1.6pp YoY -0.6pp QoQ |
-1.5pp | 6.4% | 11.8% | 11.6% | 32% |
| Cost of Funds (YTD) |
1.6%
0.0pp YoY 0.0pp QoQ |
+0.1pp | 1.4% | 1.8% | 1.7% | 60% |
| Net Income ($, YTD) |
$406,000
+55.6% YoY — QoQ |
+$88K | $317,817 | $7.9M | $40.4M | 64% |
Get Full Access to Superior Savings Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.