BlastPoint's Banking Scorecard
Fox Valley Savings Bank
Fond Du Lac, WI
3 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 110 in WI.
- Deposits -1.1% year over year ($301.3M on the books).
- Delinquency rate 0.33%.
- Return on assets 0.17%.
- Efficiency ratio 93.96% vs a 64.48% peer average.
- Loan-to-deposit ratio 85.63% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Fox Valley Savings Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.58% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.15% below tier average
- - Net Interest Margin 1.28% below tier average
- - Efficiency Ratio 29.48% above tier average
- - Non-Interest-Bearing Deposit Share 14.63% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$387.3M
+2.9% YoY
+0.9% QoQ
|
+$763K |
$386.6M
+1.2% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
60% |
| Total Loans ? |
$258.0M
+11.5% YoY
+4.7% QoQ
|
-$317K |
$258.3M
+1.7% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
60% |
| Total Deposits ? |
$301.3M
-1.1% YoY
-0.9% QoQ
|
-$25.4M |
$326.7M
+0.7% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
55% |
| Return on Assets ? |
0.17%
+496.0% YoY
+523.4% QoQ
|
-1.15% |
1.32%
+10.8% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
Bottom 5.0% in tier |
| Net Interest Margin ? |
2.71%
+20.2% YoY
+2.3% QoQ
|
-1.28% |
3.99%
+5.0% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
Bottom 4.9% in tier |
| Efficiency Ratio ? |
93.96%
-10.6% YoY
-3.2% QoQ
|
+29.48% |
64.48%
-3.2% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
Bottom 3.7% in tier |
| Delinquency Rate ? |
0.33%
-6.0% YoY
+1.2% QoQ
|
-0.58% |
0.92%
+15.7% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
85.63%
+12.7% YoY
+5.6% QoQ
|
+7.68% |
77.95%
+1.0% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
7.40%
+8.2% YoY
+1.3% QoQ
|
-14.63% |
22.03%
-0.6% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
Bottom 6.0% in tier |
| Nonperforming Asset Ratio ? |
0.22%
+1.9% YoY
+5.0% QoQ
|
-0.45% |
0.67%
+16.4% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
58% |
| Tier 1 Capital Ratio ? |
15.44%
-4.3% YoY
+0.7% QoQ
|
-0.46% |
15.91%
+1.4% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.31%
+18.2% YoY
+106.1% QoQ
|
-0.26% |
0.57%
+7.6% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
74% |
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 |
7.4%
+0.6pp YoY +0.1pp QoQ |
-14.7pp | 22.1% | 18.9% | 22.2% | 6% |
| Brokered Deposits |
0.7%
0.0pp YoY 0.0pp QoQ |
-7.2pp | 7.9% | 9.2% | 8.5% | 14% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
0.5%
-0.4pp YoY 0.0pp QoQ |
-11.1pp | 11.6% | 10.5% | 12.5% | 2% |
| CRE |
45.4%
+2.3pp YoY +2.3pp QoQ |
+5.8pp | 39.5% | 46.4% | 41.4% | 63% |
| 1-4 Family |
51.2%
-4.8pp YoY -1.7pp QoQ |
+18.5pp | 32.6% | 32.3% | 31.3% | 83% |
| Consumer |
0.5%
+0.1pp YoY 0.0pp QoQ |
-3.6pp | 4.1% | 2.6% | 5.0% | 15% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.5% | 19.7% | n/a |
| Leverage Ratio |
15.4%
-0.7pp YoY +0.1pp QoQ |
+3.3pp | 12.2% | 12.6% | 12.6% | 89% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
55
+1 (+1.9%) YoY +1 (+1.9%) QoQ |
-4 | 58 | 134 | 482 | 58% |
| Assets per Employee ($) |
$7.0M
+1.0% YoY -0.9% QoQ |
-$476K | $7.5M | $8.2M | $8.8M | 53% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 9 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.3%
0.0pp YoY 0.0pp QoQ |
-0.6pp | 0.9% | 0.9% | 1.0% | 41% |
| Allowance Coverage |
3.10x
-4.9% YoY -5.6% QoQ |
-21.06x | 24.15x | 56.89x | 20.23x | 60% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.0% | 0.2% | 37% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
1.2%
+1.0pp YoY +1.1pp QoQ |
-10.9pp | 12.2% | 11.8% | 11.6% | 5% |
| Cost of Funds (YTD) |
1.7%
-0.1pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.8% | 1.7% | 53% |
| Net Income ($, YTD) |
$337,000
+512.7% YoY — QoQ |
-$2.2M | $2.6M | $7.9M | $40.4M | 7% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.