BlastPoint

BlastPoint's Banking Scorecard

Town Bank, National Association

$1B-$10B Specialty: Commercial WI FDIC cert 34717

Hartland, WI

25 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 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in WI.
  • Deposits +4.3% year over year ($3.8B on the books).
  • Delinquency rate 0.22%.
  • Return on assets 1.42%.
  • Efficiency ratio 42.47% vs a 59.73% peer average.
  • Loan-to-deposit ratio 91.68% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 30 in WI
View $1B-$10B leaderboard (WI) →

Town Bank, National Association has 2 strengths but faces 4 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 10.4% in tier
  • + Efficiency Ratio 17.26% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 11.0% in tier
  • - Credit Risk Growth: Bottom 23.9% in tier
  • - Liquidity Strain: Bottom 25.2% in tier
  • - Net Interest Margin 0.79% below tier average
Get updates when Town Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $4.7B
+7.2% YoY +4.3% QoQ
+$1.9B $2.8B
-0.6% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
85%
Total Loans ? $3.5B
+6.4% YoY +3.8% QoQ
+$1.5B $2.0B
-0.3% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
Top 14.7% in tier
Total Deposits ? $3.8B
+4.3% YoY +2.5% QoQ
+$1.5B $2.3B
-0.5% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
84%
Return on Assets ? 1.42%
+16.1% YoY +2.0% QoQ
+0.03% 1.39%
+17.0% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
64%
Net Interest Margin ? 3.08%
-1.4% YoY -0.6% QoQ
-0.79% 3.87%
+6.2% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
17%
Efficiency Ratio ? 42.47%
-5.4% YoY -1.7% QoQ
-17.26% 59.73%
-12.6% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
Top 9.3% in tier
Delinquency Rate ? 0.22%
+22.0% YoY +24.9% QoQ
-0.65% 0.87%
+11.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
77%
Loan-to-Deposit Ratio ? 91.68%
+1.9% YoY +1.2% QoQ
+6.64% 85.04%
-0.1% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
36%
Non-Interest-Bearing Deposit Share ? 18.99%
-8.2% YoY -0.8% QoQ
-2.29% 21.27%
-1.5% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
45%
Nonperforming Asset Ratio ? 0.16%
-0.9% YoY +3.5% QoQ
-0.51% 0.67%
+11.7% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
77%
Tier 1 Capital Ratio ? 11.19%
+3.5% YoY -1.4% QoQ
-3.65% 14.84%
-0.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
21%
Non-Interest Income / Assets ? 0.18%
-0.1% YoY +101.1% QoQ
-0.35% 0.53%
+2.5% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
26%

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 19.0%
-1.7pp YoY
-0.2pp QoQ
 -2.4pp 21.4% 18.9% 22.2% 45%
Brokered Deposits 13.4%
+1.4pp YoY
+1.5pp QoQ
 +3.9pp 9.5% 9.2% 8.5% 78%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
C&I 37.2%
-2.3pp YoY
+0.6pp QoQ
 +23.2pp 14.0% 10.5% 12.5% 94%
CRE 24.6%
-1.7pp YoY
-1.5pp QoQ
 -25.4pp 50.0% 46.4% 41.4% 7%
1-4 Family 11.9%
-0.5pp YoY
-0.5pp QoQ
 -14.5pp 26.4% 32.3% 31.3% 22%
Consumer 17.7%
0.0pp YoY
+0.5pp QoQ
 +13.0pp 4.7% 2.6% 5.0% 94%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio 11.2%
+0.4pp YoY
-0.2pp QoQ
 -4.4pp 15.6% 15.5% 19.7% 13%
Leverage Ratio 9.7%
+0.5pp YoY
+0.3pp QoQ
 -1.6pp 11.3% 12.6% 12.6% 30%
Total Capital Ratio 11.8%
+0.3pp YoY
-0.2pp QoQ
 -4.9pp 16.7% 16.6% 20.8% 6%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 184
-10 (-5.2%) YoY
-11 (-5.6%) QoQ
 -130 313 134 482 35%
Assets per Employee ($) $25.6M
+13.0% YoY
+10.5% QoQ
 +$15.1M $10.5M $8.2M $8.8M 97%
Branch Count 26
+1 (+4.0%) YoY
0 QoQ
 +6 20 9 18 77%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.4% 0.4% 57%
Nonaccrual 0.2%
+0.1pp YoY
0.0pp QoQ
 -0.6pp 0.8% 0.9% 1.0% 19%
Allowance Coverage 2.46x
-33.1% YoY
-27.3% QoQ
 -16.25x 18.71x 56.89x 20.23x 57%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.0% 0.2% 66%

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 13.7%
+1.1pp YoY
+0.3pp QoQ
 +1.1pp 12.6% 11.8% 11.6% 64%
Cost of Funds (YTD) 2.1%
-0.3pp YoY
0.0pp QoQ
 +0.2pp 1.9% 1.8% 1.7% 63%
Net Income ($, YTD) $32.5M
+24.4% YoY
— QoQ
 +$13.2M $19.2M $7.9M $40.4M 84%

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
#24 of 221 • Top 10.4% in tier

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

Why this signature
Delinquency Rate: 0.22%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (3)

Credit Quality Pressure

risk
#55 of 492 • Bottom 11.0% in tier

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

Why this signature
Delinquency Rate: 0.22%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ

Credit Risk Growth

risk
#97 of 402 • Bottom 23.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ

Liquidity Strain

risk
#92 of 361 • Bottom 25.2% 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: 91.68%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 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).
Comparing against 885 peers in $1B-$10B

Top Strengths (6 metrics)

83
Efficiency Ratio
profitability
Value: 42.47%
Peer Median: 59.73%
#83 of 885 Top 9.3% in $1B-$10B
131
Total Loans
size
Value: $3.50B
Peer Median: $1.96B
#131 of 885 Top 14.7% in $1B-$10B
137
Total Assets
size
Value: $4.71B
Peer Median: $2.79B
#137 of 885 Top 15.4% in $1B-$10B
140
Total Deposits
size
Value: $3.81B
Peer Median: $2.32B
#140 of 885 Top 15.7% in $1B-$10B
207
Nonperforming Asset Ratio
credit_quality
Value: 0.16%
Peer Median: 0.67%
#207 of 885 Top 23.3% in $1B-$10B
207
Delinquency Rate
credit_quality
Value: 0.22%
Peer Median: 0.87%
#207 of 882 Top 23.4% in $1B-$10B

Top Weaknesses (2 metrics)

732
Net Interest Margin
profitability
Value: 3.08%
Peer Median: 3.87%
#732 of 885 Bottom 17.4% in $1B-$10B
698
Tier 1 Capital Ratio
capital
Value: 11.19%
Peer Median: 14.84%
#698 of 885 Bottom 21.2% in $1B-$10B
Powered by BlastPoint © 2026