BlastPoint's Banking Scorecard

Crossbridge Community Bank

$100M-$1B Specialty: Mortgage WI FDIC cert 30516

Tomahawk, 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 -1.4% year over year ($187.1M on the books).
Delinquency rate 0.29%.
Return on assets 1.27%.
Efficiency ratio 65.72% vs a 64.48% peer average.
Loan-to-deposit ratio 96.37% 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) →

Crossbridge Community Bank has 2 strengths but faces 4 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

+ Net Interest Margin 0.52% above tier average
+ Delinquency Rate 0.63% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 28.0% in tier
- Liquidity Strain: Bottom 37.8% in tier
- ROA 0.05% below tier average
- Efficiency Ratio 1.24% above tier average

Get updates when Crossbridge Community 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 ?	$216.7M +0.2% YoY +0.6% QoQ	-$169.9M	$386.6M +1.2% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	30%
Total Loans ?	$180.3M +5.0% YoY +3.3% QoQ	-$78.0M	$258.3M +1.7% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	43%
Total Deposits ?	$187.1M -1.4% YoY +0.4% QoQ	-$139.6M	$326.7M +0.7% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	31%
Return on Assets ?	1.27% +36.6% YoY -1.8% QoQ	-0.05%	1.32% +10.8% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	51%
Net Interest Margin ?	4.51% +10.2% YoY +1.3% QoQ	+0.52%	3.99% +5.0% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	80%
Efficiency Ratio ?	65.72% -9.2% YoY +1.8% QoQ	+1.24%	64.48% -3.2% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	40%
Delinquency Rate ?	0.29% -46.3% YoY -31.1% QoQ	-0.63%	0.92% +15.7% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	58%
Loan-to-Deposit Ratio ?	96.37% +6.4% YoY +2.9% QoQ	+18.42%	77.95% +1.0% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	Bottom 14.4% in tier
Non-Interest-Bearing Deposit Share ?	16.47% -10.0% YoY -0.4% QoQ	-5.56%	22.03% -0.6% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	30%
Nonperforming Asset Ratio ?	0.24% -43.7% YoY -29.3% QoQ	-0.43%	0.67% +16.4% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	57%
Tier 1 Capital Ratio ?	13.14% +7.9% YoY +3.7% QoQ	-2.77%	15.91% +1.4% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	49%
Non-Interest Income / Assets ?	0.23% +6.4% YoY +103.7% QoQ	-0.33%	0.57% +7.6% YoY	2.21% +12.7% YoY	0.66% +5.2% YoY	60%

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	16.5% -1.8pp YoY -0.1pp QoQ	-5.7pp	22.1%	18.9%	22.2%	29%
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	6.9% +0.4pp YoY +0.4pp QoQ	-4.7pp	11.6%	10.5%	12.5%	32%
CRE	23.0% -2.8pp YoY -1.6pp QoQ	-16.5pp	39.5%	46.4%	41.4%	23%
1-4 Family	66.2% +3.5pp YoY +1.4pp QoQ	+33.6pp	32.6%	32.3%	31.3%	93%
Consumer	3.9% -0.6pp YoY -0.2pp QoQ	-0.2pp	4.1%	2.6%	5.0%	69%

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	13.1% +1.0pp YoY +0.5pp QoQ	+1.0pp	12.2%	12.6%	12.6%	76%
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	38 -1 (-2.6%) YoY +2 (+5.6%) QoQ	-21	58	134	482	39%
Assets per Employee ($)	$5.7M +2.8% YoY -4.7% QoQ	-$1.8M	$7.5M	$8.2M	$8.8M	27%
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	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	0.3% -0.2pp YoY -0.1pp QoQ	-0.6pp	0.9%	0.9%	1.0%	37%
Allowance Coverage	3.85x +78.0% YoY +40.4% QoQ	-20.30x	24.15x	56.89x	20.23x	64%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY	-0.1pp	0.1%	0.0%	0.2%	36%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
ROE	10.2% +2.0pp YoY -0.3pp QoQ	-2.0pp	12.2%	11.8%	11.6%	38%
Cost of Funds (YTD)	1.0% 0.0pp YoY 0.0pp QoQ	-0.7pp	1.7%	1.8%	1.7%	10%
Net Income ($, YTD)	$1.4M +39.6% YoY — QoQ	-$1.2M	$2.6M	$7.9M	$40.4M	38%

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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 (2)

Deposit Outflow

decline

#151 of 535 • Bottom 28.0% in tier

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

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ

Liquidity Strain

risk

#262 of 691 • Bottom 37.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 96.37%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 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 (1 metrics)

526

Net Interest Margin

profitability

Value: 4.51%

Peer Median: 3.99%

#526 of 2643 Top 19.9% in $100M-$1B

Top Weaknesses (1 metrics)

2263

Loan-to-Deposit Ratio

liquidity

Value: 96.37%

Peer Median: 77.95%

#2263 of 2643 Bottom 14.4% in $100M-$1B