BlastPoint's Banking Scorecard
Prevail Bank
Designations: ✓ Community bank
Medford, WI
9 branches across WI
Prevail Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.74% below tier average
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
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
+9.0% 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
+10.7% 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
+8.0% 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
|
1.24%
+13.1% 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
|
+26.69% |
61.05%
-4.6% YoY
|
64.74%
-4.5% YoY
|
66.84%
-3.8% 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
|
76.69%
+0.9% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
9.23%
-0.2% YoY
-5.8% QoQ
|
-12.05% |
21.28%
-2.5% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.1% 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
|
0.66%
+19.3% YoY
|
84% |
| Tier 1 Capital Ratio ? |
12.63%
-1.8% YoY
-1.4% QoQ
|
-2.53% |
15.17%
+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%
+4.0% YoY
|
Bottom 12.7% in tier |
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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 (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.