BlastPoint's Banking Scorecard
Wolf River Community Bank
Hortonville, WI
4 branches across WI
Wolf River Community Bank shows strong momentum with 4 strengths and 11.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 13.9% in tier
- + ROA 0.56% above tier average
- + Net Interest Margin 0.66% above tier average
- + Efficiency Ratio 16.20% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$378.1M
+11.1% YoY
-2.1% QoQ
|
-$7.9M |
$386.1M
+0.5% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
58% |
| Total Loans ? |
$300.4M
+15.6% YoY
+3.0% QoQ
|
+$44.6M |
$255.7M
+1.1% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
68% |
| Total Deposits ? |
$307.4M
+7.0% YoY
-3.1% QoQ
|
-$20.5M |
$328.0M
+0.1% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
56% |
| Return on Assets ? |
1.83%
+9.9% YoY
+9.5% QoQ
|
+0.56% |
1.27%
+12.9% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
83% |
| Net Interest Margin ? |
4.59%
+4.2% YoY
+2.5% QoQ
|
+0.66% |
3.93%
+6.0% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
84% |
| Efficiency Ratio ? |
49.09%
-3.5% YoY
-5.9% QoQ
|
-16.20% |
65.29%
-4.5% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
Top 14.5% in tier |
| Delinquency Rate ? |
0.06%
-13.0% YoY
-19.7% QoQ
|
-0.83% |
0.89%
+18.8% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
97.70%
+8.0% YoY
+6.2% QoQ
|
+21.06% |
76.64%
+0.8% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 11.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.68%
-3.9% YoY
-0.8% QoQ
|
-5.34% |
22.02%
-1.0% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
30% |
| Nonperforming Asset Ratio ? |
0.04%
-9.5% YoY
-15.6% QoQ
|
-0.59% |
0.64%
+19.7% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
79% |
| Tier 1 Capital Ratio ? |
11.74%
-2.3% YoY
-1.3% QoQ
|
-4.09% |
15.83%
+1.5% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.10%
-0.2% YoY
-74.8% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
52% |
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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.