BlastPoint's Banking Scorecard

PyraMax Bank, FSB

$100M-$1B Specialty: Commercial WI FDIC cert 29120

Greenfield, WI

6 branches across WI

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

PyraMax Bank, FSB has 1 strength but faces 5 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

+ Delinquency Rate 0.60% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 21.7% in tier
- Efficiency Drag: Bottom 34.1% in tier
- Liquidity Strain: Bottom 44.3% in tier
- Net Interest Margin 1.22% below tier average
- ROA 0.79% below 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 ?	$595.2M +1.5% YoY -0.4% QoQ	+$209.1M	$386.1M +0.5% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	80%
Total Loans ?	$427.4M -0.4% YoY -2.9% QoQ	+$171.7M	$255.7M +1.1% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	82%
Total Deposits ?	$402.7M +1.3% YoY -0.5% QoQ	+$74.8M	$328.0M +0.1% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	70%
Return on Assets ?	0.48% +54.9% YoY -2.7% QoQ	-0.79%	1.27% +12.9% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	Bottom 12.8% in tier
Net Interest Margin ?	2.71% +3.1% YoY -1.4% QoQ	-1.22%	3.93% +6.0% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	Bottom 5.6% in tier
Efficiency Ratio ?	81.04% -3.8% YoY +2.3% QoQ	+15.75%	65.29% -4.5% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	Bottom 14.3% in tier
Delinquency Rate ?	0.29% -19.3% YoY +0.7% QoQ	-0.60%	0.89% +18.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	57%
Loan-to-Deposit Ratio ?	106.14% -1.6% YoY -2.3% QoQ	+29.50%	76.64% +0.8% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	Bottom 4.3% in tier
Non-Interest-Bearing Deposit Share ?	18.10% -8.7% YoY -1.3% QoQ	-3.92%	22.02% -1.0% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	37%
Nonperforming Asset Ratio ?	0.21% -20.8% YoY -1.7% QoQ	-0.43%	0.64% +19.7% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	59%
Tier 1 Capital Ratio ?	14.66% +3.6% YoY +3.6% QoQ	-1.17%	15.83% +1.5% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	63%
Non-Interest Income / Assets ?	0.11% +17.5% YoY -72.7% QoQ	-0.17%	0.28% +9.3% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	60%

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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 (3)

Flatlined Growth

risk

#112 of 512 • Bottom 21.7% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.48%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

Efficiency Drag

risk

#142 of 414 • Bottom 34.1% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 81.04%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable

Liquidity Strain

risk

#286 of 643 • Bottom 44.3% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 106.14%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

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 (2 metrics)

473

Total Loans

size

Value: $427.44M

Peer Median: $255.72M

#473 of 2664 Top 17.7% in $100M-$1B

533

Total Assets

size

Value: $595.18M

Peer Median: $386.08M

#533 of 2664 Top 20.0% in $100M-$1B

Top Weaknesses (4 metrics)

2551

Loan-to-Deposit Ratio

liquidity

Value: 106.14%

Peer Median: 76.64%

#2551 of 2664 Bottom 4.3% in $100M-$1B

2516

Net Interest Margin

profitability

Value: 2.71%

Peer Median: 3.93%

#2516 of 2664 Bottom 5.6% in $100M-$1B

2325

Return on Assets

profitability

Value: 0.48%

Peer Median: 1.27%

#2325 of 2664 Bottom 12.8% in $100M-$1B

2285

Efficiency Ratio

profitability

Value: 81.04%

Peer Median: 65.29%

#2285 of 2664 Bottom 14.3% in $100M-$1B