BlastPoint's Banking Scorecard

East Wisconsin Savings Bank

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

Kaukauna, WI

4 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 +1.1% year over year ($226.2M on the books).
Delinquency rate 0.06%.
Return on assets -0.39%.
Efficiency ratio 111.18% vs a 64.48% peer average.
Loan-to-deposit ratio 82.17% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 110 in WI

View $100M-$1B leaderboard (WI) →

East Wisconsin Savings Bank has 1 strength but faces 5 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 4.2% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 7.8% in tier
- Return on Assets 1.71% below tier average
- Net Interest Margin 2.06% below tier average
- Efficiency Ratio 46.70% above tier average
- Non-Interest-Bearing Deposit Share 17.28% below tier average

Get updates when East Wisconsin Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$265.8M -6.6% YoY +1.1% QoQ	-$120.8M	$386.6M +1.2% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	39%
Total Loans ?	$185.9M -5.3% YoY +0.5% QoQ	-$72.5M	$258.3M +1.7% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	45%
Total Deposits ?	$226.2M +1.1% YoY +2.9% QoQ	-$100.5M	$326.7M +0.7% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	40%
Return on Assets ?	-0.39% +26.4% YoY +1.6% QoQ	-1.71%	1.32% +10.8% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	Bottom 2.0% in tier
Net Interest Margin ?	1.93% +19.4% YoY +2.8% QoQ	-2.06%	3.99% +5.0% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	Bottom 0.7% in tier
Efficiency Ratio ?	111.18% -15.9% YoY -0.3% QoQ	+46.70%	64.48% -3.2% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	Bottom 1.2% in tier
Delinquency Rate ?	0.06% +102.5% YoY +347.9% QoQ	-0.86%	0.92% +15.7% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	78%
Loan-to-Deposit Ratio ?	82.17% -6.3% YoY -2.4% QoQ	+4.22%	77.95% +1.0% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	45%
Non-Interest-Bearing Deposit Share ?	4.75% +20.2% YoY +36.1% QoQ	-17.28%	22.03% -0.6% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	Bottom 3.4% in tier
Nonperforming Asset Ratio ?	0.04% +105.3% YoY +345.2% QoQ	-0.62%	0.67% +16.4% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	80%
Tier 1 Capital Ratio ?	11.80% +11.3% YoY +10.3% QoQ	-4.10%	15.91% +1.4% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	33%
Non-Interest Income / Assets ?	0.33% +32.0% YoY +93.9% QoQ	-0.24%	0.57% +7.6% YoY	2.21% +12.7% YoY	0.66% +5.2% YoY	77%

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	4.8% +0.8pp YoY +1.3pp QoQ	-17.4pp	22.1%	18.9%	22.2%	3%
Brokered Deposits	n/a	n/a	7.9%	9.2%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
C&I	1.6% +0.1pp YoY -0.1pp QoQ	-9.9pp	11.6%	10.5%	12.5%	5%
CRE	8.4% +1.1pp YoY +0.3pp QoQ	-31.1pp	39.5%	46.4%	41.4%	3%
1-4 Family	72.9% -0.9pp YoY +0.3pp QoQ	+40.3pp	32.6%	32.3%	31.3%	95%
Consumer	17.2% -0.4pp YoY -0.5pp QoQ	+13.1pp	4.1%	2.6%	5.0%	97%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
CET1 Ratio	11.8% +1.2pp YoY +1.1pp QoQ	-7.0pp	18.8%	15.5%	19.7%	15%
Leverage Ratio	7.1% +0.8pp YoY +0.8pp QoQ	-5.0pp	12.2%	12.6%	12.6%	0%
Total Capital Ratio	12.6% +1.2pp YoY +1.1pp QoQ	-7.3pp	19.9%	16.6%	20.8%	12%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Full-Time Employees	41 -4 (-8.9%) YoY +1 (+2.5%) QoQ	-18	58	134	482	42%
Assets per Employee ($)	$6.5M +2.5% YoY -1.4% QoQ	-$1.0M	$7.5M	$8.2M	$8.8M	42%
Branch Count	4 0 YoY 0 QoQ	-1	4	9	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	0.1% 0.0pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.9%	1.0%	14%
Allowance Coverage	10.11x -48.4% YoY -77.5% QoQ	-14.04x	24.15x	56.89x	20.23x	82%
Net Charge-off Rate (YTD)	0.1% 0.0pp QoQ	-0.1pp	0.1%	0.0%	0.2%	68%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
ROE	-8.1% +2.0pp YoY +0.6pp QoQ	-20.3pp	12.2%	11.8%	11.6%	1%
Cost of Funds (YTD)	2.4% -0.2pp YoY 0.0pp QoQ	+0.7pp	1.7%	1.8%	1.7%	87%
Net Income ($, YTD)	$-515000.0 +29.5% YoY — QoQ	-$3.1M	$2.6M	$7.9M	$40.4M	2%

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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

#29 of 659 • Top 4.2% in tier

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

Why this signature

Delinquency Rate: 0.06%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk

#99 of 1256 • Bottom 7.8% in tier

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

Why this signature

Delinquency Rate: 0.06%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

542

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.67%

#542 of 2643 Top 20.5% in $100M-$1B

588

Delinquency Rate

credit_quality

Value: 0.06%

Peer Median: 0.92%

#588 of 2633 Top 22.3% in $100M-$1B

618

Non-Interest Income / Assets

revenue_mix

Value: 0.33%

Peer Median: 0.57%

#618 of 2643 Top 23.3% in $100M-$1B

Top Weaknesses (4 metrics)

2625

Net Interest Margin

profitability

Value: 1.93%

Peer Median: 3.99%

#2625 of 2643 Bottom 0.7% in $100M-$1B

2612

Efficiency Ratio

profitability

Value: 111.18%

Peer Median: 64.48%

#2612 of 2643 Bottom 1.2% in $100M-$1B

2592

Return on Assets

profitability

Value: -0.39%

Peer Median: 1.32%

#2592 of 2643 Bottom 2.0% in $100M-$1B

2555

Non-Interest-Bearing Deposit Share

funding

Value: 4.75%

Peer Median: 22.03%

#2555 of 2643 Bottom 3.4% in $100M-$1B