BlastPoint's Banking Scorecard

KeySavings Bank

$100M-$1B Specialty: Mortgage WI FDIC cert 29691

Designations: ✓ Mutual

Wisconsin Rapids, WI

2 branches across WI

2664 banks in the $100M-$1B peer group nationally 113 in WI

KeySavings Bank has 1 strength but faces 6 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

+ Delinquency Rate 0.70% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 27.8% in tier
- Capital Thin: Bottom 32.0% in tier
- Efficiency Drag: Bottom 38.2% in tier
- Return on Assets 0.91% below tier average
- Non-Interest-Bearing Deposit Share 18.76% below tier average
- Net Interest Margin 0.79% below tier average

Get updates when KeySavings 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 ?	$127.1M +5.1% YoY -0.6% QoQ	-$259.0M	$386.1M +0.5% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	Bottom 8.1% in tier
Total Loans ?	$78.2M +14.2% YoY +1.7% QoQ	-$177.5M	$255.7M +1.1% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	Bottom 10.4% in tier
Total Deposits ?	$95.2M +4.1% YoY -1.5% QoQ	-$232.7M	$328.0M +0.1% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	Bottom 4.2% in tier
Return on Assets ?	0.36% +163.0% YoY -9.9% QoQ	-0.91%	1.27% +12.9% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	Bottom 9.7% in tier
Net Interest Margin ?	3.14% +9.6% YoY +3.5% QoQ	-0.79%	3.93% +6.0% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	16%
Efficiency Ratio ?	80.21% -13.1% YoY -4.7% QoQ	+14.92%	65.29% -4.5% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	15%
Delinquency Rate ?	0.19% -79.1% QoQ	-0.70%	0.89% +18.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	65%
Loan-to-Deposit Ratio ?	82.13% +9.6% YoY +3.2% QoQ	+5.50%	76.64% +0.8% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	41%
Non-Interest-Bearing Deposit Share ?	3.26% +20.3% YoY -5.7% QoQ	-18.76%	22.02% -1.0% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	Bottom 2.3% in tier
Nonperforming Asset Ratio ?	0.12% -78.7% QoQ	-0.52%	0.64% +19.7% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	68%
Tier 1 Capital Ratio ?	9.16% -6.8% YoY -0.7% QoQ	-6.67%	15.83% +1.5% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	Bottom 1.5% in tier
Non-Interest Income / Assets ?	0.08% +72.3% YoY -77.9% QoQ	-0.20%	0.28% +9.3% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	41%

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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 (0)

No matched strength signatures this quarter

Concerns (3)

Credit Quality Pressure

risk

#365 of 1308 • Bottom 27.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.19%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Capital Thin

risk

#214 of 666 • Bottom 32.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.16%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#159 of 414 • Bottom 38.2% in tier

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

Why this signature

Efficiency Ratio: 80.21%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (8 metrics)

2624

Tier 1 Capital Ratio

capital

Value: 9.16%

Peer Median: 15.83%

#2624 of 2664 Bottom 1.5% in $100M-$1B

2605

Non-Interest-Bearing Deposit Share

funding

Value: 3.26%

Peer Median: 22.02%

#2605 of 2664 Bottom 2.3% in $100M-$1B

2552

Total Deposits

size

Value: $95.22M

Peer Median: $327.97M

#2552 of 2664 Bottom 4.2% in $100M-$1B

2450

Total Assets

size

Value: $127.08M

Peer Median: $386.08M

#2450 of 2664 Bottom 8.1% in $100M-$1B

2406

Return on Assets

profitability

Value: 0.36%

Peer Median: 1.27%

#2406 of 2664 Bottom 9.7% in $100M-$1B

2388

Total Loans

size

Value: $78.21M

Peer Median: $255.72M

#2388 of 2664 Bottom 10.4% in $100M-$1B

2258

Efficiency Ratio

profitability

Value: 80.21%

Peer Median: 65.29%

#2258 of 2664 Bottom 15.3% in $100M-$1B

2249

Net Interest Margin

profitability

Value: 3.14%

Peer Median: 3.93%

#2249 of 2664 Bottom 15.6% in $100M-$1B