BlastPoint's Banking Scorecard
The Peshtigo National Bank
Peshtigo, WI
6 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 +0.8% year over year ($250.8M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.66%.
- Efficiency ratio 77.00% vs a 64.48% peer average.
- Loan-to-deposit ratio 79.55% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Peshtigo National Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.66% below tier average
- - Net Interest Margin 0.61% below tier average
- - Efficiency Ratio 12.52% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$300.0M
+3.6% YoY
+0.2% QoQ
|
-$86.6M |
$386.6M
+1.2% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
46% |
| Total Loans ? |
$199.5M
+12.2% YoY
+2.5% QoQ
|
-$58.8M |
$258.3M
+1.7% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
48% |
| Total Deposits ? |
$250.8M
+0.8% YoY
-2.4% QoQ
|
-$75.9M |
$326.7M
+0.7% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
45% |
| Return on Assets ? |
0.66%
+69.3% YoY
+15.6% QoQ
|
-0.66% |
1.32%
+10.8% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
17% |
| Net Interest Margin ? |
3.37%
+12.2% YoY
+2.1% QoQ
|
-0.61% |
3.99%
+5.0% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
22% |
| Efficiency Ratio ? |
77.00%
-10.8% YoY
-4.4% QoQ
|
+12.52% |
64.48%
-3.2% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
17% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.92% |
0.92%
+15.7% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
79.55%
+11.3% YoY
+5.0% QoQ
|
+1.59% |
77.95%
+1.0% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
29.28%
+9.6% YoY
+12.0% QoQ
|
+7.25% |
22.03%
-0.6% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
80% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.67% |
0.67%
+16.4% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
14.06%
-4.2% YoY
+0.2% QoQ
|
-1.85% |
15.91%
+1.4% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.13%
+6.1% YoY
+100.6% QoQ
|
-0.44% |
0.57%
+7.6% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
27% |
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 |
29.3%
+2.6pp YoY +3.1pp QoQ |
+7.1pp | 22.1% | 18.9% | 22.2% | 80% |
| Brokered Deposits |
0.9%
0.0pp YoY 0.0pp QoQ |
-6.9pp | 7.9% | 9.2% | 8.5% | 17% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.2%
0.0pp YoY -0.3pp QoQ |
-5.4pp | 11.6% | 10.5% | 12.5% | 27% |
| CRE | n/a | n/a | 39.5% | 46.4% | 41.4% | n/a |
| 1-4 Family |
32.0%
+0.5pp YoY +0.5pp QoQ |
-0.7pp | 32.6% | 32.3% | 31.3% | 56% |
| Consumer |
2.8%
-0.2pp YoY -0.1pp QoQ |
-1.3pp | 4.1% | 2.6% | 5.0% | 57% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.1%
-0.6pp YoY 0.0pp QoQ |
-4.8pp | 18.8% | 15.5% | 19.7% | 40% |
| Leverage Ratio |
9.0%
0.0pp YoY +0.2pp QoQ |
-3.2pp | 12.2% | 12.6% | 12.6% | 12% |
| Total Capital Ratio |
15.3%
-0.5pp YoY +0.1pp QoQ |
-4.7pp | 19.9% | 16.6% | 20.8% | 40% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
52
0 YoY 0 QoQ |
-7 | 58 | 134 | 482 | 56% |
| Assets per Employee ($) |
$5.8M
+3.6% YoY +0.2% QoQ |
-$1.7M | $7.5M | $8.2M | $8.8M | 28% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 9 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.9% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 56.89x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | -0.0% | -0.2pp | 0.1% | 0.0% | 0.2% | 16% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.4%
+3.0pp YoY +1.2pp QoQ |
-2.8pp | 12.2% | 11.8% | 11.6% | 33% |
| Cost of Funds (YTD) |
1.6%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.8% | 1.7% | 41% |
| Net Income ($, YTD) |
$1.0M
+77.9% YoY — QoQ |
-$1.6M | $2.6M | $7.9M | $40.4M | 26% |
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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.