BlastPoint's Banking Scorecard

East Wisconsin Savings Bank

$100M-$1B Specialty: Mortgage WI FDIC cert 30313

Kaukauna, WI

4 branches across WI

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

East Wisconsin Savings Bank has 1 strength but faces 7 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 19.1% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 1.8% in tier
- Capital Thin: Bottom 4.3% in tier
- Deposit Outflow: Bottom 15.8% in tier
- Return on Assets 1.66% below tier average
- Net Interest Margin 2.05% below tier average
- Efficiency Ratio 46.25% above tier average
- Non-Interest-Bearing Deposit Share 18.53% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$263.0M -5.0% YoY -2.8% QoQ	-$123.1M	$386.1M +0.5% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	40%
Total Loans ?	$185.0M -2.6% YoY -2.4% QoQ	-$70.7M	$255.7M +1.1% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	45%
Total Deposits ?	$219.8M -5.6% YoY +0.9% QoQ	-$108.2M	$328.0M +0.1% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	39%
Return on Assets ?	-0.39% +44.0% YoY +72.6% QoQ	-1.66%	1.27% +12.9% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	Bottom 2.0% in tier
Net Interest Margin ?	1.88% +25.3% YoY +5.6% QoQ	-2.05%	3.93% +6.0% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	Bottom 0.5% in tier
Efficiency Ratio ?	111.53% -22.3% YoY -1.3% QoQ	+46.25%	65.29% -4.5% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	Bottom 1.2% in tier
Delinquency Rate ?	0.01% +142.6% YoY -91.0% QoQ	-0.87%	0.89% +18.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	Top 14.7% in tier
Loan-to-Deposit Ratio ?	84.17% +3.2% YoY -3.2% QoQ	+7.54%	76.64% +0.8% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	37%
Non-Interest-Bearing Deposit Share ?	3.49% -11.0% YoY -1.8% QoQ	-18.53%	22.02% -1.0% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	Bottom 2.4% in tier
Nonperforming Asset Ratio ?	0.01% +148.9% YoY -91.0% QoQ	-0.63%	0.64% +19.7% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	Top 13.8% in tier
Tier 1 Capital Ratio ?	10.70% -3.0% YoY -0.8% QoQ	-5.13%	15.83% +1.5% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	19%
Non-Interest Income / Assets ?	0.17% +38.6% YoY -74.7% QoQ	-0.11%	0.28% +9.3% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	79%

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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

#128 of 664 • Top 19.1% in tier

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

Why this signature

Delinquency Rate: 0.01%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ

Concerns (3)

Credit Quality Pressure

risk

#24 of 1308 • Bottom 1.8% in tier

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

Why this signature

Delinquency Rate: 0.01%

(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

#30 of 666 • Bottom 4.3% 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: 10.70%

(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

Deposit Outflow

decline

#81 of 506 • Bottom 15.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank declining

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 (3 metrics)

369

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.64%

#369 of 2664 Top 13.8% in $100M-$1B

392

Delinquency Rate

credit_quality

Value: 0.01%

Peer Median: 0.89%

#392 of 2654 Top 14.7% in $100M-$1B

557

Non-Interest Income / Assets

revenue_mix

Value: 0.17%

Peer Median: 0.28%

#557 of 2664 Top 20.9% in $100M-$1B

Top Weaknesses (5 metrics)

2651

Net Interest Margin

profitability

Value: 1.88%

Peer Median: 3.93%

#2651 of 2664 Bottom 0.5% in $100M-$1B

2632

Efficiency Ratio

profitability

Value: 111.53%

Peer Median: 65.29%

#2632 of 2664 Bottom 1.2% in $100M-$1B

2613

Return on Assets

profitability

Value: -0.39%

Peer Median: 1.27%

#2613 of 2664 Bottom 2.0% in $100M-$1B

2601

Non-Interest-Bearing Deposit Share

funding

Value: 3.49%

Peer Median: 22.02%

#2601 of 2664 Bottom 2.4% in $100M-$1B

2159

Tier 1 Capital Ratio

capital

Value: 10.70%

Peer Median: 15.83%

#2159 of 2664 Bottom 19.0% in $100M-$1B