BlastPoint's Banking Scorecard
First Federal Bank of Wisconsin
Waukesha, WI
5 branches across WI
First Federal Bank of Wisconsin has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.80% above tier average
- + Delinquency Rate 0.87% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 5.4% in tier
- - Liquidity Strain: Bottom 9.2% in tier
- - Capital Constraint: Bottom 88.9% in tier
- - ROA 0.33% below tier average
- - Efficiency Ratio 10.38% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$278.7M
-5.3% YoY
+1.1% QoQ
|
-$107.3M |
$386.1M
+0.5% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
42% |
| Total Loans ? |
$212.1M
-6.1% YoY
-1.9% QoQ
|
-$43.6M |
$255.7M
+1.1% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
51% |
| Total Deposits ? |
$211.7M
-4.2% YoY
+1.1% QoQ
|
-$116.3M |
$328.0M
+0.1% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
37% |
| Return on Assets ? |
0.94%
+20.3% YoY
-4.1% QoQ
|
-0.33% |
1.27%
+12.9% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
34% |
| Net Interest Margin ? |
4.73%
+12.8% YoY
+6.0% QoQ
|
+0.80% |
3.93%
+6.0% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
Top 12.6% in tier |
| Efficiency Ratio ? |
75.67%
-2.7% YoY
+2.1% QoQ
|
+10.38% |
65.29%
-4.5% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
21% |
| Delinquency Rate ? |
0.02%
-77.1% YoY
-0.9% QoQ
|
-0.87% |
0.89%
+18.8% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
85% |
| Loan-to-Deposit Ratio ? |
100.22%
-2.0% YoY
-2.9% QoQ
|
+23.58% |
76.64%
+0.8% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 8.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.61%
+8.9% YoY
-3.5% QoQ
|
+2.59% |
22.02%
-1.0% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.01%
-77.3% YoY
-3.8% QoQ
|
-0.63% |
0.64%
+19.7% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
Top 14.7% in tier |
| Tier 1 Capital Ratio ? |
25.81%
-4.6% YoY
+3.0% QoQ
|
+9.98% |
15.83%
+1.5% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
Top 5.8% in tier |
| Non-Interest Income / Assets ? |
0.09%
+10.6% YoY
-76.7% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
45% |
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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 (3)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.