BlastPoint's Banking Scorecard

John Deere Financial, f.s.b.

$1B-$10B Specialty: Agricultural WI FDIC cert 35237

Middleton, WI

884 banks in the $1B-$10B peer group nationally 28 in WI

John Deere Financial, f.s.b. has 4 strengths but faces 2 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

+ Revenue Diversifier: Top 9.0% in tier
+ Profitability Leader: Top 16.7% in tier
+ Net Interest Margin 2.31% above tier average
+ Efficiency Ratio 34.45% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 3.5% in tier
- Non-Interest-Bearing Deposit Share 20.37% 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 ?	$4.1B +8.4% YoY +20.9% QoQ	+$1.3B	$2.8B -0.1% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	81%
Total Loans ?	$4.0B +8.0% YoY +20.2% QoQ	+$2.1B	$2.0B +0.6% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	Top 11.8% in tier
Total Deposits ?	$1.4B +2.5% YoY +6.7% QoQ	-$984.3M	$2.3B -0.3% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	39%
Return on Assets ?	5.09% +7.7% YoY +31.4% QoQ	+3.72%	1.37% +19.6% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	Top 0.9% in tier
Net Interest Margin ?	6.12% -7.5% YoY -9.4% QoQ	+2.31%	3.82% +6.9% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	Top 2.3% in tier
Efficiency Ratio ?	26.61% -1.9% YoY +14.1% QoQ	-34.45%	61.06% -4.6% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	Top 0.9% in tier
Delinquency Rate ?	0.92% -30.9% YoY +145.3% QoQ	+0.03%	0.89% +14.1% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	30%
Loan-to-Deposit Ratio ?	297.59% +5.4% YoY +12.7% QoQ	+213.38%	84.20% +0.3% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	Bottom 0.1% in tier
Non-Interest-Bearing Deposit Share ?	0.92% +1.7% YoY -12.3% QoQ	-20.37%	21.29% -2.5% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	Bottom 1.5% in tier
Nonperforming Asset Ratio ?	0.90% -31.2% YoY +143.9% QoQ	+0.23%	0.67% +15.6% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	24%
Tier 1 Capital Ratio ?	24.63% +5.4% YoY +29.4% QoQ	+9.47%	15.16% +2.0% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	Top 4.3% in tier
Non-Interest Income / Assets ?	0.41% -5.0% YoY -81.5% QoQ	+0.16%	0.26% +1.6% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	Top 8.0% in tier

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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 (2)

Revenue Diversifier

growth

#21 of 221 • Top 9.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.41%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 5.09%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Profitability Leader

growth

#38 of 221 • Top 16.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 5.09%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk

#7 of 174 • Bottom 3.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 24.63%

(Tier: 15.16%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 297.59%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

174 of 174 Mid-Market banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

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 884 peers in $1B-$10B

Top Strengths (7 metrics)

Return on Assets

profitability

Value: 5.09%

Peer Median: 1.37%

#9 of 884 Top 0.9% in $1B-$10B

Efficiency Ratio

profitability

Value: 26.61%

Peer Median: 61.06%

#9 of 884 Top 0.9% in $1B-$10B

Net Interest Margin

profitability

Value: 6.12%

Peer Median: 3.82%

#21 of 884 Top 2.3% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 24.63%

Peer Median: 15.16%

#39 of 884 Top 4.3% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 0.41%

Peer Median: 0.26%

#72 of 884 Top 8.0% in $1B-$10B

105

Total Loans

size

Value: $4.04B

Peer Median: $1.96B

#105 of 884 Top 11.8% in $1B-$10B

170

Total Assets

size

Value: $4.11B

Peer Median: $2.82B

#170 of 884 Top 19.1% in $1B-$10B

Top Weaknesses (3 metrics)

884

Loan-to-Deposit Ratio

liquidity

Value: 297.59%

Peer Median: 84.20%

#884 of 884 Bottom 0.1% in $1B-$10B

872

Non-Interest-Bearing Deposit Share

funding

Value: 0.92%

Peer Median: 21.29%

#872 of 884 Bottom 1.5% in $1B-$10B

676

Nonperforming Asset Ratio

credit_quality

Value: 0.90%

Peer Median: 0.67%

#676 of 884 Bottom 23.6% in $1B-$10B