BlastPoint's Banking Scorecard

The Peshtigo National Bank

$100M-$1B Specialty: Agricultural WI FDIC cert 5317

Peshtigo, WI

6 branches across WI

2664 banks in the $100M-$1B peer group nationally 113 in WI

The Peshtigo National Bank has 2 strengths but faces 3 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

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 45.9% in tier
- ROA 0.69% below tier average
- Net Interest Margin 0.63% below tier average

Get updates when The Peshtigo National Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$299.4M +4.0% YoY -1.3% QoQ	-$86.7M	$386.1M +0.5% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	46%
Total Loans ?	$194.7M +11.8% YoY +5.5% QoQ	-$61.0M	$255.7M +1.1% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	47%
Total Deposits ?	$257.1M +3.2% YoY -1.2% QoQ	-$70.9M	$328.0M +0.1% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	46%
Return on Assets ?	0.57% +94.7% YoY +18.6% QoQ	-0.69%	1.27% +12.9% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	15%
Net Interest Margin ?	3.30% +13.3% YoY +5.8% QoQ	-0.63%	3.93% +6.0% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	22%
Efficiency Ratio ?	80.55% -9.9% YoY -3.2% QoQ	+15.27%	65.29% -4.5% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	Bottom 14.8% in tier
Delinquency Rate ?	0.00% -100.0% YoY	-0.89%	0.89% +18.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	75.72% +8.4% YoY +6.8% QoQ	-0.91%	76.64% +0.8% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	56%
Non-Interest-Bearing Deposit Share ?	26.15% +3.0% YoY -7.1% QoQ	+4.13%	22.02% -1.0% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	70%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.64%	0.64% +19.7% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	14.04% -4.1% YoY +0.3% QoQ	-1.79%	15.83% +1.5% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	57%
Non-Interest Income / Assets ?	0.06% +8.9% YoY -72.9% QoQ	-0.22%	0.28% +9.3% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	28%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Efficiency Drag

risk

#191 of 414 • Bottom 45.9% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 80.55%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | 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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Top Weaknesses (3 metrics)

2271

Efficiency Ratio

profitability

Value: 80.55%

Peer Median: 65.29%

#2271 of 2664 Bottom 14.8% in $100M-$1B

2260

Return on Assets

profitability

Value: 0.57%

Peer Median: 1.27%

#2260 of 2664 Bottom 15.2% in $100M-$1B

2086

Net Interest Margin

profitability

Value: 3.30%

Peer Median: 3.93%

#2086 of 2664 Bottom 21.7% in $100M-$1B