BlastPoint's Banking Scorecard
Wolf River Community Bank
Hortonville, WI
4 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 +2.7% year over year ($297.6M on the books).
- Delinquency rate 0.05%.
- Return on assets 1.85%.
- Efficiency ratio 48.99% vs a 64.48% peer average.
- Loan-to-deposit ratio 105.36% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Wolf River Community Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 12.8% in tier
- + ROA 0.53% above tier average
- + Net Interest Margin 0.71% above tier average
- + Efficiency Ratio 15.49% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 27.41% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$385.8M
+11.8% YoY
+2.0% QoQ
|
-$781K |
$386.6M
+1.2% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
59% |
| Total Loans ? |
$313.5M
+17.5% YoY
+4.4% QoQ
|
+$55.1M |
$258.3M
+1.7% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
69% |
| Total Deposits ? |
$297.6M
+2.7% YoY
-3.2% QoQ
|
-$29.2M |
$326.7M
+0.7% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
55% |
| Return on Assets ? |
1.85%
+11.3% YoY
+1.3% QoQ
|
+0.53% |
1.32%
+10.8% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
82% |
| Net Interest Margin ? |
4.70%
+6.1% YoY
+2.4% QoQ
|
+0.71% |
3.99%
+5.0% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
Top 14.3% in tier |
| Efficiency Ratio ? |
48.99%
-4.5% YoY
-0.2% QoQ
|
-15.49% |
64.48%
-3.2% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
Top 14.8% in tier |
| Delinquency Rate ? |
0.05%
-9.2% YoY
-8.8% QoQ
|
-0.87% |
0.92%
+15.7% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
105.36%
+14.4% YoY
+7.8% QoQ
|
+27.41% |
77.95%
+1.0% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
Bottom 5.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.51%
+1.6% YoY
+5.0% QoQ
|
-4.52% |
22.03%
-0.6% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
34% |
| Nonperforming Asset Ratio ? |
0.04%
-4.5% YoY
-6.7% QoQ
|
-0.63% |
0.67%
+16.4% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
80% |
| Tier 1 Capital Ratio ? |
12.42%
+1.4% YoY
+5.7% QoQ
|
-3.49% |
15.91%
+1.4% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.20%
+1.2% YoY
+103.6% QoQ
|
-0.36% |
0.57%
+7.6% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
51% |
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 |
17.5%
+0.3pp YoY +0.8pp QoQ |
-4.6pp | 22.1% | 18.9% | 22.2% | 34% |
| 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 |
7.1%
-1.4pp YoY +0.6pp QoQ |
-4.5pp | 11.6% | 10.5% | 12.5% | 33% |
| CRE |
53.3%
+0.7pp YoY +1.0pp QoQ |
+13.7pp | 39.5% | 46.4% | 41.4% | 75% |
| 1-4 Family |
37.8%
+2.2pp YoY -1.0pp QoQ |
+5.2pp | 32.6% | 32.3% | 31.3% | 67% |
| Consumer |
1.2%
-0.8pp YoY -0.2pp QoQ |
-2.9pp | 4.1% | 2.6% | 5.0% | 34% |
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 |
12.4%
+0.2pp YoY +0.7pp QoQ |
+0.2pp | 12.2% | 12.6% | 12.6% | 69% |
| 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 |
51
+2 (+4.1%) YoY +3 (+6.2%) QoQ |
-8 | 58 | 134 | 482 | 54% |
| Assets per Employee ($) |
$7.6M
+7.4% YoY -4.0% QoQ |
+$46K | $7.5M | $8.2M | $8.8M | 62% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 9 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 0.9% | 1.0% | 12% |
| Allowance Coverage |
33.65x
+6.7% YoY +9.1% QoQ |
+9.50x | 24.15x | 56.89x | 20.23x | 92% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.0% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.0%
+1.5pp YoY 0.0pp QoQ |
+3.8pp | 12.2% | 11.8% | 11.6% | 73% |
| Cost of Funds (YTD) |
1.3%
-0.1pp YoY 0.0pp QoQ |
-0.4pp | 1.7% | 1.8% | 1.7% | 22% |
| Net Income ($, YTD) |
$3.6M
+25.9% YoY — QoQ |
+$998K | $2.6M | $7.9M | $40.4M | 76% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.