BlastPoint's Banking Scorecard
KeySavings Bank
Designations: ✓ Mutual
Wisconsin Rapids, 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 +3.8% year over year ($99.7M on the books).
- Delinquency rate 0.07%.
- Return on assets 0.55%.
- Efficiency ratio 70.80% vs a 64.48% peer average.
- Loan-to-deposit ratio 78.83% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
KeySavings Bank has 1 strength but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 0.9% in tier
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 11.1% in tier
- - Credit Quality Pressure: Bottom 12.7% in tier
- - Credit Risk Growth: Bottom 18.0% in tier
- - Capital Thin: Bottom 18.9% in tier
- - ROA 0.77% below tier average
- - Net Interest Margin 0.61% below tier average
- - Efficiency Ratio 6.32% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$129.5M
+2.9% YoY
+1.9% QoQ
|
-$257.1M |
$386.6M
+1.2% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
Bottom 8.0% in tier |
| Total Loans ? |
$78.6M
+5.2% YoY
+0.5% QoQ
|
-$179.7M |
$258.3M
+1.7% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
Bottom 9.9% in tier |
| Total Deposits ? |
$99.7M
+3.8% YoY
+4.7% QoQ
|
-$227.0M |
$326.7M
+0.7% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
Bottom 5.3% in tier |
| Return on Assets ? |
0.55%
+65.8% YoY
+51.4% QoQ
|
-0.77% |
1.32%
+10.8% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
Bottom 13.6% in tier |
| Net Interest Margin ? |
3.37%
+14.8% YoY
+7.5% QoQ
|
-0.61% |
3.99%
+5.0% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
22% |
| Efficiency Ratio ? |
70.80%
-17.8% YoY
-11.7% QoQ
|
+6.32% |
64.48%
-3.2% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
28% |
| Delinquency Rate ? |
0.07%
-60.7% QoQ
|
-0.84% |
0.92%
+15.7% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
78.83%
+1.4% YoY
-4.0% QoQ
|
+0.87% |
77.95%
+1.0% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
0.06%
-97.9% YoY
-98.1% QoQ
|
-21.97% |
22.03%
-0.6% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
Bottom 0.6% in tier |
| Nonperforming Asset Ratio ? |
0.04%
-61.3% QoQ
|
-0.62% |
0.67%
+16.4% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
79% |
| Tier 1 Capital Ratio ? |
9.38%
+1.0% YoY
+2.4% QoQ
|
-6.52% |
15.91%
+1.4% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
Bottom 3.9% in tier |
| Non-Interest Income / Assets ? |
0.18%
+30.3% YoY
+120.6% QoQ
|
-0.38% |
0.57%
+7.6% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
44% |
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 |
0.1%
-2.9pp YoY -3.2pp QoQ |
-22.1pp | 22.1% | 18.9% | 22.2% | 0% |
| Brokered Deposits |
7.0%
-2.9pp YoY -2.4pp QoQ |
-0.8pp | 7.9% | 9.2% | 8.5% | 64% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
0.2%
-5.6pp YoY 0.0pp QoQ |
-11.4pp | 11.6% | 10.5% | 12.5% | 1% |
| CRE | n/a | n/a | 39.5% | 46.4% | 41.4% | n/a |
| 1-4 Family |
74.7%
-5.2pp YoY +0.9pp QoQ |
+42.0pp | 32.6% | 32.3% | 31.3% | 95% |
| Consumer |
4.6%
+1.4pp YoY +0.2pp QoQ |
+0.5pp | 4.1% | 2.6% | 5.0% | 75% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.5% | 19.7% | n/a |
| Leverage Ratio |
9.4%
+0.1pp YoY +0.2pp QoQ |
-2.8pp | 12.2% | 12.6% | 12.6% | 19% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
25
+1 (+4.2%) YoY 0 QoQ |
-34 | 58 | 134 | 482 | 19% |
| Assets per Employee ($) |
$5.2M
-1.2% YoY +1.9% QoQ |
-$2.3M | $7.5M | $8.2M | $8.8M | 17% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 9 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
+0.1pp YoY -0.1pp QoQ |
-0.2pp | 0.3% | 0.4% | 0.4% | 45% |
| Nonaccrual | n/a | n/a | 0.9% | 0.9% | 1.0% | n/a |
| Allowance Coverage |
7.38x
-96.7% YoY +341.0% QoQ |
-16.77x | 24.15x | 56.89x | 20.23x | 78% |
| Net Charge-off Rate (YTD) |
0.2%
-0.2pp QoQ |
+0.1pp | 0.1% | 0.0% | 0.2% | 86% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.3%
+2.6pp YoY +2.5pp QoQ |
-4.9pp | 12.2% | 11.8% | 11.6% | 22% |
| Cost of Funds (YTD) |
2.5%
0.0pp YoY -0.1pp QoQ |
+0.8pp | 1.7% | 1.8% | 1.7% | 90% |
| Net Income ($, YTD) |
$353,000
+75.6% YoY — QoQ |
-$2.2M | $2.6M | $7.9M | $40.4M | 8% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (4)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.