BlastPoint's Banking Scorecard
Cumberland Federal Bank, FSB
Designations: ✓ Mutual
Cumberland, WI
2 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 +13.0% year over year ($287.5M on the books).
- Delinquency rate 0.19%.
- Return on assets 1.39%.
- Efficiency ratio 39.22% vs a 64.48% peer average.
- Loan-to-deposit ratio 60.92% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Cumberland Federal Bank, FSB has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 25.26% below tier average
- + ROA 0.06% above tier average
- + Delinquency Rate 0.72% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 17.55% below tier average
- - Net Interest Margin 0.82% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$341.6M
+10.4% YoY
+4.0% QoQ
|
-$44.9M |
$386.6M
+1.2% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
53% |
| Total Loans ? |
$175.2M
+9.4% YoY
+3.5% QoQ
|
-$83.2M |
$258.3M
+1.7% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
42% |
| Total Deposits ? |
$287.5M
+13.0% YoY
+9.7% QoQ
|
-$39.2M |
$326.7M
+0.7% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
53% |
| Return on Assets ? |
1.39%
+15.0% YoY
+3.3% QoQ
|
+0.06% |
1.32%
+10.8% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
58% |
| Net Interest Margin ? |
3.17%
+10.5% YoY
+1.7% QoQ
|
-0.82% |
3.99%
+5.0% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
Bottom 14.9% in tier |
| Efficiency Ratio ? |
39.22%
-15.9% YoY
-3.2% QoQ
|
-25.26% |
64.48%
-3.2% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
Top 3.3% in tier |
| Delinquency Rate ? |
0.19%
-59.2% YoY
+72.5% QoQ
|
-0.72% |
0.92%
+15.7% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
60.92%
-3.2% YoY
-5.6% QoQ
|
-17.03% |
77.95%
+1.0% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
4.48%
-6.9% YoY
-3.3% QoQ
|
-17.55% |
22.03%
-0.6% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
Bottom 3.2% in tier |
| Nonperforming Asset Ratio ? |
0.10%
-59.6% YoY
+71.7% QoQ
|
-0.57% |
0.67%
+16.4% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
71% |
| Tier 1 Capital Ratio ? |
17.21%
+4.1% YoY
-0.3% QoQ
|
+1.30% |
15.91%
+1.4% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.08%
-5.7% YoY
+77.3% QoQ
|
-0.48% |
0.57%
+7.6% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
Bottom 13.7% 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 |
4.5%
-0.3pp YoY -0.2pp QoQ |
-17.7pp | 22.1% | 18.9% | 22.2% | 3% |
| Brokered Deposits |
39.7%
-0.7pp YoY +4.9pp QoQ |
+31.9pp | 7.9% | 9.2% | 8.5% | 98% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.6%
+0.2pp YoY 0.0pp QoQ |
-5.0pp | 11.6% | 10.5% | 12.5% | 30% |
| CRE |
21.2%
-3.6pp YoY 0.0pp QoQ |
-18.3pp | 39.5% | 46.4% | 41.4% | 20% |
| 1-4 Family |
50.7%
+4.4pp YoY -0.1pp QoQ |
+18.0pp | 32.6% | 32.3% | 31.3% | 83% |
| Consumer |
1.7%
-0.1pp YoY 0.0pp QoQ |
-2.4pp | 4.1% | 2.6% | 5.0% | 43% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
17.2%
+0.7pp YoY -0.1pp QoQ |
-1.6pp | 18.8% | 15.5% | 19.7% | 65% |
| Leverage Ratio |
10.1%
+0.2pp YoY +0.1pp QoQ |
-2.1pp | 12.2% | 12.6% | 12.6% | 33% |
| Total Capital Ratio |
18.2%
+0.9pp YoY 0.0pp QoQ |
-1.7pp | 19.9% | 16.6% | 20.8% | 64% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
23
+1 (+4.5%) YoY +1 (+4.5%) QoQ |
-36 | 58 | 134 | 482 | 15% |
| Assets per Employee ($) |
$14.9M
+5.6% YoY -0.6% QoQ |
+$7.3M | $7.5M | $8.2M | $8.8M | 97% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 9 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.2%
-0.3pp YoY +0.1pp QoQ |
-0.7pp | 0.9% | 0.9% | 1.0% | 29% |
| Allowance Coverage |
5.75x
+226.4% YoY -40.1% QoQ |
-18.41x | 24.15x | 56.89x | 20.23x | 73% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.0% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.7%
+1.2pp YoY +0.5pp QoQ |
+2.5pp | 12.2% | 11.8% | 11.6% | 66% |
| Cost of Funds (YTD) |
2.8%
-0.3pp YoY 0.0pp QoQ |
+1.0pp | 1.7% | 1.8% | 1.7% | 95% |
| Net Income ($, YTD) |
$2.3M
+28.5% YoY — QoQ |
-$245K | $2.6M | $7.9M | $40.4M | 58% |
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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.