BlastPoint's Banking Scorecard

American National Bank - Fox Cities

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

Appleton, WI

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

American National Bank - Fox Cities has 2 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

+ Credit Quality Leader: Top 20.5% in tier
+ Efficiency Ratio 1.65% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 15.9% in tier
- Margin Compression: Bottom 36.7% in tier
- Net Interest Margin 0.94% 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 ?	$434.4M +4.1% YoY +3.6% QoQ	+$48.3M	$386.1M +0.5% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	66%
Total Loans ?	$329.8M +4.2% YoY +1.7% QoQ	+$74.1M	$255.7M +1.1% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	72%
Total Deposits ?	$366.4M +2.9% YoY +4.5% QoQ	+$38.4M	$328.0M +0.1% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	65%
Return on Assets ?	1.06% -9.8% YoY -22.8% QoQ	-0.21%	1.27% +12.9% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	42%
Net Interest Margin ?	2.99% -0.4% YoY -2.6% QoQ	-0.94%	3.93% +6.0% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	Bottom 11.1% in tier
Efficiency Ratio ?	63.63% +7.1% YoY +14.1% QoQ	-1.65%	65.29% -4.5% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	49%
Delinquency Rate ?	0.07% -34.9% YoY -1.7% QoQ	-0.82%	0.89% +18.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	78%
Loan-to-Deposit Ratio ?	90.02% +1.2% YoY -2.6% QoQ	+13.38%	76.64% +0.8% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	24%
Non-Interest-Bearing Deposit Share ?	16.67% -8.2% YoY -8.6% QoQ	-5.35%	22.02% -1.0% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	30%
Nonperforming Asset Ratio ?	0.05% -34.8% YoY -3.5% QoQ	-0.59%	0.64% +19.7% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	78%
Tier 1 Capital Ratio ?	13.35% +1.0% YoY -0.2% QoQ	-2.48%	15.83% +1.5% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	51%
Non-Interest Income / Assets ?	0.05% +3.7% YoY -84.5% QoQ	-0.23%	0.28% +9.3% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	21%

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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

#137 of 664 • Top 20.5% in tier

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

Why this signature

Delinquency Rate: 0.07%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (2)

Liquidity Strain

risk

#103 of 643 • Bottom 15.9% 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: 90.02%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Margin Compression

decline

#113 of 305 • Bottom 36.7% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.06%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

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 (2 metrics)

590

Nonperforming Asset Ratio

credit_quality

Value: 0.05%

Peer Median: 0.64%

#590 of 2664 Top 22.1% in $100M-$1B

593

Delinquency Rate

credit_quality

Value: 0.07%

Peer Median: 0.89%

#593 of 2654 Top 22.3% in $100M-$1B

Top Weaknesses (3 metrics)

2369

Net Interest Margin

profitability

Value: 2.99%

Peer Median: 3.93%

#2369 of 2664 Bottom 11.1% in $100M-$1B

2098

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2098 of 2664 Bottom 21.3% in $100M-$1B

2023

Loan-to-Deposit Ratio

liquidity

Value: 90.02%

Peer Median: 76.64%

#2023 of 2664 Bottom 24.1% in $100M-$1B