BlastPoint's Banking Scorecard
Fox Valley Savings Bank
Fond Du Lac, WI
3 branches across WI
Fox Valley Savings Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.56% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.24% below tier average
- - Net Interest Margin 1.28% below tier average
- - Efficiency Ratio 31.80% above tier average
- - Non-Interest-Bearing Deposit Share 14.72% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$383.9M
+2.9% YoY
-1.2% QoQ
|
-$2.2M |
$386.1M
+0.5% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
59% |
| Total Loans ? |
$246.5M
+10.0% YoY
-0.5% QoQ
|
-$9.2M |
$255.7M
+1.1% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
59% |
| Total Deposits ? |
$304.0M
-0.2% YoY
-1.6% QoQ
|
-$23.9M |
$328.0M
+0.1% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
55% |
| Return on Assets ? |
0.03%
+219.4% YoY
-78.7% QoQ
|
-1.24% |
1.27%
+12.9% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
Bottom 3.7% in tier |
| Net Interest Margin ? |
2.65%
+21.1% YoY
+11.6% QoQ
|
-1.28% |
3.93%
+6.0% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
Bottom 4.8% in tier |
| Efficiency Ratio ? |
97.09%
-11.3% YoY
-1.8% QoQ
|
+31.80% |
65.29%
-4.5% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 3.2% in tier |
| Delinquency Rate ? |
0.33%
-20.2% YoY
+10.2% QoQ
|
-0.56% |
0.89%
+18.8% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
81.09%
+10.2% YoY
+1.2% QoQ
|
+4.45% |
76.64%
+0.8% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
7.30%
+20.1% YoY
-1.0% QoQ
|
-14.72% |
22.02%
-1.0% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
Bottom 6.1% in tier |
| Nonperforming Asset Ratio ? |
0.21%
-26.2% YoY
+11.0% QoQ
|
-0.43% |
0.64%
+19.7% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
58% |
| Tier 1 Capital Ratio ? |
15.34%
-4.4% YoY
-2.3% QoQ
|
-0.49% |
15.83%
+1.5% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.15%
+18.4% YoY
-73.0% QoQ
|
-0.13% |
0.28%
+9.3% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
74% |
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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.