BlastPoint's Banking Scorecard
PremierBank
Fort Atkinson, WI
7 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 -1.5% year over year ($444.2M on the books).
- Delinquency rate 0.25%.
- Return on assets 1.10%.
- Efficiency ratio 65.92% vs a 64.48% peer average.
- Loan-to-deposit ratio 86.60% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
PremierBank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.67% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.23% below tier average
- - Net Interest Margin 0.25% below tier average
- - Efficiency Ratio 1.44% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$583.9M
+4.6% YoY
-0.4% QoQ
|
+$197.3M |
$386.6M
+1.2% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
79% |
| Total Loans ? |
$384.6M
+8.1% YoY
+4.2% QoQ
|
+$126.3M |
$258.3M
+1.7% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
77% |
| Total Deposits ? |
$444.2M
-1.5% YoY
-2.7% QoQ
|
+$117.4M |
$326.7M
+0.7% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
74% |
| Return on Assets ? |
1.10%
+153.9% YoY
+6.1% QoQ
|
-0.23% |
1.32%
+10.8% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
40% |
| Net Interest Margin ? |
3.74%
+12.9% YoY
+3.0% QoQ
|
-0.25% |
3.99%
+5.0% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
39% |
| Efficiency Ratio ? |
65.92%
-24.2% YoY
-2.6% QoQ
|
+1.44% |
64.48%
-3.2% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
40% |
| Delinquency Rate ? |
0.25%
-9.7% YoY
-20.0% QoQ
|
-0.67% |
0.92%
+15.7% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
86.60%
+9.7% YoY
+7.2% QoQ
|
+8.64% |
77.95%
+1.0% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
31.98%
+7.1% YoY
-0.6% QoQ
|
+9.95% |
22.03%
-0.6% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
Top 14.5% in tier |
| Nonperforming Asset Ratio ? |
0.18%
-18.1% YoY
-26.3% QoQ
|
-0.48% |
0.67%
+16.4% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
62% |
| Tier 1 Capital Ratio ? |
12.54%
+2.0% YoY
-1.3% QoQ
|
-3.37% |
15.91%
+1.4% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.38%
+11.3% YoY
+119.5% QoQ
|
-0.19% |
0.57%
+7.6% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
83% |
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 |
32.0%
+2.1pp YoY -0.2pp QoQ |
+9.8pp | 22.1% | 18.9% | 22.2% | 85% |
| 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 |
8.0%
-0.9pp YoY -0.9pp QoQ |
-3.5pp | 11.6% | 10.5% | 12.5% | 40% |
| CRE |
54.2%
+3.4pp YoY +2.5pp QoQ |
+14.7pp | 39.5% | 46.4% | 41.4% | 77% |
| 1-4 Family |
32.2%
-1.0pp YoY -1.1pp QoQ |
-0.4pp | 32.6% | 32.3% | 31.3% | 56% |
| Consumer |
1.1%
-0.3pp YoY -0.1pp QoQ |
-3.1pp | 4.1% | 2.6% | 5.0% | 30% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.5%
+0.2pp YoY -0.2pp QoQ |
-6.3pp | 18.8% | 15.5% | 19.7% | 23% |
| Leverage Ratio |
9.8%
+0.6pp YoY +0.3pp QoQ |
-2.4pp | 12.2% | 12.6% | 12.6% | 27% |
| Total Capital Ratio |
13.7%
+0.3pp YoY -0.1pp QoQ |
-6.3pp | 19.9% | 16.6% | 20.8% | 23% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
91
-4 (-4.2%) YoY -3 (-3.2%) QoQ |
+32 | 58 | 134 | 482 | 83% |
| Assets per Employee ($) |
$6.4M
+9.2% YoY +2.9% QoQ |
-$1.1M | $7.5M | $8.2M | $8.8M | 41% |
| Branch Count |
7
-2 (-22.2%) YoY 0 QoQ |
+2 | 4 | 9 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.2%
0.0pp YoY -0.1pp QoQ |
-0.7pp | 0.9% | 0.9% | 1.0% | 34% |
| Allowance Coverage |
5.11x
+10.7% YoY +25.0% QoQ |
-19.04x | 24.15x | 56.89x | 20.23x | 71% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.0% | 0.2% | 28% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.1%
+7.1pp YoY +0.6pp QoQ |
+0.9pp | 12.2% | 11.8% | 11.6% | 56% |
| Cost of Funds (YTD) |
1.3%
-0.3pp YoY 0.0pp QoQ |
-0.4pp | 1.7% | 1.8% | 1.7% | 24% |
| Net Income ($, YTD) |
$3.2M
+161.4% YoY — QoQ |
+$645K | $2.6M | $7.9M | $40.4M | 72% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.