BlastPoint's Banking Scorecard

Prevail Bank

$1B-$10B Specialty: Commercial WI FDIC cert 29294

Designations: ✓ Community bank

Medford, WI

9 branches across WI

884 banks in the $1B-$10B peer group nationally 28 in WI

Prevail Bank has 1 strength but faces 3 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

+ Credit Quality Leader: Top 50.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 66.2% in tier
- Return on Assets 1.11% below tier average
- Net Interest Margin 1.05% below tier average

Get updates when Prevail Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$1.0B +4.2% YoY +3.4% QoQ	-$1.8B	$2.8B -0.1% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	Bottom 1.5% in tier
Total Loans ?	$743.2M +8.1% YoY +3.0% QoQ	-$1.2B	$2.0B +0.6% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	Bottom 10.3% in tier
Total Deposits ?	$757.7M +0.4% YoY +1.3% QoQ	-$1.6B	$2.3B -0.3% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	Bottom 1.4% in tier
Return on Assets ?	0.26% +268.8% YoY -27.3% QoQ	-1.11%	1.37% +19.6% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	Bottom 5.1% in tier
Net Interest Margin ?	2.77% +28.1% YoY +10.7% QoQ	-1.05%	3.82% +6.9% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	Bottom 9.7% in tier
Efficiency Ratio ?	87.74% -7.8% YoY +10.5% QoQ	+26.68%	61.06% -4.6% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	Bottom 4.1% in tier
Delinquency Rate ?	0.15% -34.6% YoY -7.7% QoQ	-0.74%	0.89% +14.1% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	84%
Loan-to-Deposit Ratio ?	98.08% +7.7% YoY +1.7% QoQ	+13.88%	84.20% +0.3% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	17%
Non-Interest-Bearing Deposit Share ?	9.23% -0.2% YoY -5.8% QoQ	-12.06%	21.29% -2.5% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	Bottom 10.4% in tier
Nonperforming Asset Ratio ?	0.11% -32.1% YoY -8.0% QoQ	-0.56%	0.67% +15.6% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	84%
Tier 1 Capital Ratio ?	12.63% -1.8% YoY -1.4% QoQ	-2.53%	15.16% +2.0% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	42%
Non-Interest Income / Assets ?	0.06% +4.6% YoY -76.8% QoQ	-0.20%	0.26% +1.6% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	Bottom 12.7% in tier

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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 (1)

Credit Quality Leader

growth

#111 of 220 • Top 50.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.15%

(Tier: 0.89%, National: 0.95%)

better than tier avg

220 of 220 Mid-Market banks match · 922 nationally

→ Stable +2 banks QoQ

Concerns (1)

Efficiency Drag

risk

#50 of 74 • Bottom 66.2% in tier

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

Why this signature

Efficiency Ratio: 87.74%

(Tier: 61.06%, National: 66.95%)

worse than tier avg

74 of 74 Mid-Market banks match · 492 nationally

→ Stable

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 884 peers in $1B-$10B

Top Strengths (2 metrics)

140

Nonperforming Asset Ratio

credit_quality

Value: 0.11%

Peer Median: 0.67%

#140 of 884 Top 15.7% in $1B-$10B

143

Delinquency Rate

credit_quality

Value: 0.15%

Peer Median: 0.89%

#143 of 880 Top 16.1% in $1B-$10B

Top Weaknesses (9 metrics)

873

Total Deposits

size

Value: $757.72M

Peer Median: $2.34B

#873 of 884 Bottom 1.4% in $1B-$10B

872

Total Assets

size

Value: $1.01B

Peer Median: $2.82B

#872 of 884 Bottom 1.5% in $1B-$10B

849

Efficiency Ratio

profitability

Value: 87.74%

Peer Median: 61.06%

#849 of 884 Bottom 4.1% in $1B-$10B

840

Return on Assets

profitability

Value: 0.26%

Peer Median: 1.37%

#840 of 884 Bottom 5.1% in $1B-$10B

799

Net Interest Margin

profitability

Value: 2.77%

Peer Median: 3.82%

#799 of 884 Bottom 9.7% in $1B-$10B

794

Total Loans

size

Value: $743.18M

Peer Median: $1.96B

#794 of 884 Bottom 10.3% in $1B-$10B

793

Non-Interest-Bearing Deposit Share

funding

Value: 9.23%

Peer Median: 21.29%

#793 of 884 Bottom 10.4% in $1B-$10B

773

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.26%

#773 of 884 Bottom 12.7% in $1B-$10B

734

Loan-to-Deposit Ratio

liquidity

Value: 98.08%

Peer Median: 84.20%

#734 of 884 Bottom 17.1% in $1B-$10B