BlastPoint's Banking Scorecard
Bay Bank
Designations: ✓ CDFI-certified ✓ Minority Depository Institution
Green Bay, WI
3 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 +1.8% year over year ($264.9M on the books).
- Delinquency rate 2.06%.
- Return on assets 1.12%.
- Efficiency ratio 65.20% vs a 64.48% peer average.
- Loan-to-deposit ratio 49.59% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bay Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.17% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.20% below tier average
- - Efficiency Ratio 0.72% above tier average
- - Delinquency Rate 1.15% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$315.7M
+4.2% YoY
+1.0% QoQ
|
-$70.9M |
$386.6M
+1.2% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
49% |
| Total Loans ? |
$131.4M
+8.7% YoY
+2.2% QoQ
|
-$127.0M |
$258.3M
+1.7% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
29% |
| Total Deposits ? |
$264.9M
+1.8% YoY
+2.2% QoQ
|
-$61.8M |
$326.7M
+0.7% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
48% |
| Return on Assets ? |
1.12%
-8.0% YoY
+1.1% QoQ
|
-0.20% |
1.32%
+10.8% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
42% |
| Net Interest Margin ? |
4.15%
+1.9% YoY
+1.7% QoQ
|
+0.17% |
3.99%
+5.0% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
63% |
| Efficiency Ratio ? |
65.20%
+19.1% YoY
+0.4% QoQ
|
+0.72% |
64.48%
-3.2% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
42% |
| Delinquency Rate ? |
2.06%
-32.4% YoY
-15.3% QoQ
|
+1.15% |
0.92%
+15.7% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
Bottom 12.2% in tier |
| Loan-to-Deposit Ratio ? |
49.59%
+6.8% YoY
-0.0% QoQ
|
-28.36% |
77.95%
+1.0% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
Top 8.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.57%
+19.2% YoY
+5.8% QoQ
|
+6.54% |
22.03%
-0.6% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.86%
-29.4% YoY
-14.3% QoQ
|
+0.19% |
0.67%
+16.4% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
24% |
| Tier 1 Capital Ratio ? |
22.31%
+4.3% YoY
-1.0% QoQ
|
+6.40% |
15.91%
+1.4% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
Top 9.9% in tier |
| Non-Interest Income / Assets ? |
0.29%
-35.3% YoY
+107.3% QoQ
|
-0.28% |
0.57%
+7.6% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
70% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
28.6%
+4.6pp YoY +1.6pp QoQ |
+6.4pp | 22.1% | 18.9% | 22.2% | 78% |
| Brokered Deposits |
25.3%
-2.5pp YoY +1.5pp QoQ |
+17.4pp | 7.9% | 9.2% | 8.5% | 95% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
18.4%
+0.7pp YoY +0.2pp QoQ |
+6.9pp | 11.6% | 10.5% | 12.5% | 85% |
| CRE |
40.5%
+0.1pp YoY +0.2pp QoQ |
+1.0pp | 39.5% | 46.4% | 41.4% | 54% |
| 1-4 Family |
35.5%
-0.2pp YoY -0.6pp QoQ |
+2.8pp | 32.6% | 32.3% | 31.3% | 62% |
| Consumer |
7.5%
-0.8pp YoY +0.1pp QoQ |
+3.4pp | 4.1% | 2.6% | 5.0% | 87% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
22.3%
+0.9pp YoY -0.2pp QoQ |
+3.5pp | 18.8% | 15.5% | 19.7% | 84% |
| Leverage Ratio |
11.2%
+0.9pp YoY +0.1pp QoQ |
-1.0pp | 12.2% | 12.6% | 12.6% | 54% |
| Total Capital Ratio |
23.6%
+0.9pp YoY -0.2pp QoQ |
+3.6pp | 19.9% | 16.6% | 20.8% | 84% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
40
0 YoY 0 QoQ |
-19 | 58 | 134 | 482 | 41% |
| Assets per Employee ($) |
$7.9M
+4.2% YoY +1.0% QoQ |
+$374K | $7.5M | $8.2M | $8.8M | 66% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 9 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
2.1%
-1.0pp YoY -0.4pp QoQ |
+1.1pp | 0.9% | 0.9% | 1.0% | 88% |
| Allowance Coverage |
0.93x
+38.7% YoY +18.1% QoQ |
-23.22x | 24.15x | 56.89x | 20.23x | 25% |
| Net Charge-off Rate (YTD) |
0.1%
-0.2pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.0% | 0.2% | 70% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.3%
-3.0pp YoY +0.1pp QoQ |
-0.8pp | 12.2% | 11.8% | 11.6% | 45% |
| Cost of Funds (YTD) |
0.8%
-0.1pp YoY 0.0pp QoQ |
-0.9pp | 1.7% | 1.8% | 1.7% | 6% |
| Net Income ($, YTD) |
$1.8M
-2.9% YoY — QoQ |
-$799K | $2.6M | $7.9M | $40.4M | 47% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.