BlastPoint's Banking Scorecard

Capitol Bank

$100M-$1B Specialty: Commercial WI FDIC cert 34074

Madison, WI

3 branches across WI

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

Capitol Bank has 2 strengths but faces 5 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 14.2% in tier
+ Efficiency Ratio 6.01% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 3.5% in tier
- Capital Constraint: Bottom 25.9% in tier
- Deposit Outflow: Bottom 31.4% in tier
- ROA 0.16% below tier average
- Net Interest Margin 0.75% 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 ?	$589.4M -7.9% YoY -7.0% QoQ	+$203.3M	$386.1M +0.5% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	80%
Total Loans ?	$447.3M -8.2% YoY -5.2% QoQ	+$191.5M	$255.7M +1.1% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	84%
Total Deposits ?	$497.7M -9.9% YoY -8.3% QoQ	+$169.7M	$328.0M +0.1% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	79%
Return on Assets ?	1.11% +107.1% YoY +30.3% QoQ	-0.16%	1.27% +12.9% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	45%
Net Interest Margin ?	3.18% +23.9% YoY +9.1% QoQ	-0.75%	3.93% +6.0% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	17%
Efficiency Ratio ?	59.27% -17.4% YoY -5.8% QoQ	-6.01%	65.29% -4.5% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	62%
Delinquency Rate ?	0.02% +4.3% QoQ	-0.87%	0.89% +18.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	84%
Loan-to-Deposit Ratio ?	89.87% +1.9% YoY +3.4% QoQ	+13.23%	76.64% +0.8% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	25%
Non-Interest-Bearing Deposit Share ?	14.50% +5.9% YoY +1.6% QoQ	-7.52%	22.02% -1.0% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	22%
Nonperforming Asset Ratio ?	0.01% -88.1% YoY +6.3% QoQ	-0.62%	0.64% +19.7% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	85%
Tier 1 Capital Ratio ?	15.08% +16.9% YoY +8.3% QoQ	-0.75%	15.83% +1.5% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	66%
Non-Interest Income / Assets ?	0.06% +16.3% YoY -71.1% QoQ	-0.22%	0.28% +9.3% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	25%

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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

#95 of 664 • Top 14.2% in tier

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

Why this signature

Delinquency Rate: 0.02%

(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 (3)

Credit Quality Pressure

risk

#47 of 1308 • Bottom 3.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.02%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Capital Constraint

risk

#29 of 108 • Bottom 25.9% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 89.87%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 15.08%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ

Deposit Outflow

decline

#160 of 506 • Bottom 31.4% in tier

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

506 of 506 Community banks match · 656 nationally

→ Stable -8 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 (5 metrics)

403

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.64%

#403 of 2664 Top 15.1% in $100M-$1B

415

Delinquency Rate

credit_quality

Value: 0.02%

Peer Median: 0.89%

#415 of 2654 Top 15.6% in $100M-$1B

417

Total Loans

size

Value: $447.25M

Peer Median: $255.72M

#417 of 2664 Top 15.6% in $100M-$1B

543

Total Assets

size

Value: $589.40M

Peer Median: $386.08M

#543 of 2664 Top 20.3% in $100M-$1B

549

Total Deposits

size

Value: $497.65M

Peer Median: $327.97M

#549 of 2664 Top 20.6% in $100M-$1B

Top Weaknesses (4 metrics)

2210

Net Interest Margin

profitability

Value: 3.18%

Peer Median: 3.93%

#2210 of 2664 Bottom 17.1% in $100M-$1B

2071

Non-Interest-Bearing Deposit Share

funding

Value: 14.50%

Peer Median: 22.02%

#2071 of 2664 Bottom 22.3% in $100M-$1B

2012

Loan-to-Deposit Ratio

liquidity

Value: 89.87%

Peer Median: 76.64%

#2012 of 2664 Bottom 24.5% in $100M-$1B

2004

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.28%

#2004 of 2664 Bottom 24.8% in $100M-$1B