BlastPoint's Banking Scorecard
Superior Savings Bank
Designations: ✓ Community bank ✓ Mutual
Superior, WI
Superior Savings Bank has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.44% below tier average
- + ROA 0.11% above tier average
- + Net Interest Margin 0.15% above tier average
- + Efficiency Ratio 17.39% below tier average
- + Delinquency Rate 0.27% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 40.81% above tier average
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
|
+$31.6M |
$62.3M
-0.5% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.0% YoY
|
Top 8.0% in tier |
| Total Loans ? |
$80.7M
+8.6% YoY
+1.7% QoQ
|
+$46.4M |
$34.3M
-1.5% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.7% YoY
|
Top 0.6% in tier |
| Total Deposits ? |
$76.9M
+13.9% YoY
-0.3% QoQ
|
+$25.1M |
$51.8M
-0.6% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.0% YoY
|
Top 14.3% in tier |
| Return on Assets ? |
0.97%
+103.2% YoY
+50.7% QoQ
|
+0.11% |
0.86%
-3.6% YoY
|
1.50%
+15.4% YoY
|
1.24%
+13.1% YoY
|
52% |
| Net Interest Margin ? |
4.02%
+10.2% YoY
+2.6% QoQ
|
+0.15% |
3.87%
+2.7% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
59% |
| Efficiency Ratio ? |
70.24%
-12.7% YoY
-8.5% QoQ
|
-17.39% |
87.63%
+2.3% YoY
|
64.74%
-4.5% YoY
|
66.84%
-3.8% YoY
|
53% |
| Delinquency Rate ? |
1.09%
-14.4% YoY
-20.8% QoQ
|
-0.27% |
1.36%
+33.7% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
104.92%
-4.6% YoY
+2.0% QoQ
|
+40.81% |
64.11%
-0.9% YoY
|
86.53%
+1.6% YoY
|
76.69%
+0.9% YoY
|
Bottom 4.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
5.92%
-28.0% YoY
-29.9% QoQ
|
-17.87% |
23.79%
+0.5% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.1% YoY
|
Bottom 11.0% in tier |
| Nonperforming Asset Ratio ? |
0.94%
-15.1% YoY
-19.6% QoQ
|
+0.17% |
0.77%
+28.7% YoY
|
0.63%
+35.0% YoY
|
0.66%
+19.3% YoY
|
24% |
| Tier 1 Capital Ratio ? |
17.02%
-4.9% YoY
+5.1% QoQ
|
-9.76% |
26.77%
+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
|
-0.44% |
0.67%
+1.6% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.0% YoY
|
Top 9.5% in tier |
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Signature Analysis
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Metric Rankings
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