BlastPoint's Banking Scorecard

American National Bank - Fox Cities

$100M-$1B Specialty: Commercial WI FDIC cert 33812

Appleton, 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 +0.3% year over year ($353.5M on the books).
Delinquency rate 0.00%.
Return on assets 1.26%.
Efficiency ratio 58.82% vs a 64.48% peer average.
Loan-to-deposit ratio 93.54% 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) →

American National Bank - Fox Cities has 3 strengths but faces 3 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

+ Delinquency Rate 0.92% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average
+ Efficiency Ratio 5.66% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 32.1% in tier
- ROA 0.06% below tier average
- Net Interest Margin 0.87% below tier average

Get updates when American National Bank - Fox Cities releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$432.6M +3.6% YoY -0.4% QoQ	+$46.0M	$386.6M +1.2% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	65%
Total Loans ?	$330.7M +5.8% YoY +0.3% QoQ	+$72.3M	$258.3M +1.7% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	72%
Total Deposits ?	$353.5M +0.3% YoY -3.5% QoQ	+$26.7M	$326.7M +0.7% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	63%
Return on Assets ?	1.26% +3.9% YoY +18.4% QoQ	-0.06%	1.32% +10.8% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	51%
Net Interest Margin ?	3.11% +2.3% YoY +4.3% QoQ	-0.87%	3.99% +5.0% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	Bottom 13.1% in tier
Efficiency Ratio ?	58.82% -0.2% YoY -7.6% QoQ	-5.66%	64.48% -3.2% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	61%
Delinquency Rate ?	0.00% -100.0% YoY -100.0% QoQ	-0.92%	0.92% +15.7% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	93.54% +5.5% YoY +3.9% QoQ	+15.59%	77.95% +1.0% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	19%
Non-Interest-Bearing Deposit Share ?	18.00% +2.3% YoY +8.0% QoQ	-4.03%	22.03% -0.6% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	36%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY -100.0% QoQ	-0.67%	0.67% +16.4% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	13.59% +5.7% YoY +1.8% QoQ	-2.32%	15.91% +1.4% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	54%
Non-Interest Income / Assets ?	0.11% +10.5% YoY +115.6% QoQ	-0.45%	0.57% +7.6% YoY	2.21% +12.7% YoY	0.66% +5.2% YoY	23%

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	18.0% +0.4pp YoY +1.3pp QoQ	-4.1pp	22.1%	18.9%	22.2%	36%
Brokered Deposits	40.8% -1.7pp YoY -0.8pp QoQ	+33.0pp	7.9%	9.2%	8.5%	99%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
C&I	23.2% -0.9pp YoY -0.9pp QoQ	+11.7pp	11.6%	10.5%	12.5%	92%
CRE	63.3% -0.3pp YoY +0.7pp QoQ	+23.8pp	39.5%	46.4%	41.4%	88%
1-4 Family	14.4% +1.2pp YoY +0.2pp QoQ	-18.3pp	32.6%	32.3%	31.3%	18%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.1pp	4.1%	2.6%	5.0%	4%

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	13.6% +0.7pp YoY +0.2pp QoQ	+1.4pp	12.2%	12.6%	12.6%	79%
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	32 -5 (-13.5%) YoY -3 (-8.6%) QoQ	-27	58	134	482	30%
Assets per Employee ($)	$13.5M +19.8% YoY +8.9% QoQ	+$6.0M	$7.5M	$8.2M	$8.8M	96%
Branch Count	1 0 YoY 0 QoQ	-4	4	9	18	0%

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	n/a	n/a	0.9%	0.9%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	56.89x	20.23x	n/a
Net Charge-off Rate (YTD)	-0.0% -0.1pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.0%	0.2%	14%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
ROE	10.2% -0.3pp YoY +1.5pp QoQ	-2.0pp	12.2%	11.8%	11.6%	38%
Cost of Funds (YTD)	2.7% -0.1pp YoY 0.0pp QoQ	+1.0pp	1.7%	1.8%	1.7%	94%
Net Income ($, YTD)	$2.7M +7.9% YoY — QoQ	+$144K	$2.6M	$7.9M	$40.4M	65%

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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 (1)

Liquidity Strain

risk

#223 of 691 • Bottom 32.1% 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: 93.54%

(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 (2 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

Top Weaknesses (3 metrics)

2297

Net Interest Margin

profitability

Value: 3.11%

Peer Median: 3.99%

#2297 of 2643 Bottom 13.1% in $100M-$1B

2140

Loan-to-Deposit Ratio

liquidity

Value: 93.54%

Peer Median: 77.95%

#2140 of 2643 Bottom 19.1% in $100M-$1B

2023

Non-Interest Income / Assets

revenue_mix

Value: 0.11%

Peer Median: 0.57%

#2023 of 2643 Bottom 23.5% in $100M-$1B