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The First National Bank of Bangor

$100M-$1B Specialty: Commercial WI FDIC cert 5337

Bangor, WI

5 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 +3.8% year over year ($225.6M on the books).
  • Delinquency rate 0.95%.
  • Return on assets 3.38%.
  • Efficiency ratio 16.86% vs a 64.48% peer average.
  • Loan-to-deposit ratio 135.32% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 110 in WI
View $100M-$1B leaderboard (WI) →

The First National Bank of Bangor has 3 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

  • + Profitability Leader: Top 26.8% in tier
  • + Net Interest Margin 1.21% above tier average
  • + Efficiency Ratio 47.62% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 1.8% in tier
  • - Credit Risk Growth: Bottom 13.2% in tier
  • - Non-Interest Income / Assets 0.51% below tier average
Get updates when The First National Bank of Bangor releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $363.7M
+2.4% YoY +1.2% QoQ
-$22.9M $386.6M
+1.2% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
57%
Total Loans ? $305.3M
+1.2% YoY -3.3% QoQ
+$46.9M $258.3M
+1.7% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
68%
Total Deposits ? $225.6M
+3.8% YoY +0.8% QoQ
-$101.1M $326.7M
+0.7% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
40%
Return on Assets ? 3.38%
+6.0% YoY +0.6% QoQ
+2.06% 1.32%
+10.8% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
Top 1.2% in tier
Net Interest Margin ? 5.19%
+4.9% YoY -0.2% QoQ
+1.21% 3.99%
+5.0% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
Top 5.6% in tier
Efficiency Ratio ? 16.86%
-5.5% YoY +0.5% QoQ
-47.62% 64.48%
-3.2% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
Top 0.2% in tier
Delinquency Rate ? 0.95%
+49.4% YoY +61.0% QoQ
+0.04% 0.92%
+15.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
30%
Loan-to-Deposit Ratio ? 135.32%
-2.4% YoY -4.0% QoQ
+57.37% 77.95%
+1.0% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
Bottom 0.3% in tier
Non-Interest-Bearing Deposit Share ? 18.82%
-13.3% YoY -1.9% QoQ
-3.22% 22.03%
-0.6% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
40%
Nonperforming Asset Ratio ? 0.85%
+44.7% YoY +49.4% QoQ
+0.18% 0.67%
+16.4% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
25%
Tier 1 Capital Ratio ? 31.61%
+8.7% YoY +3.8% QoQ
+15.70% 15.91%
+1.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
Top 3.6% in tier
Non-Interest Income / Assets ? 0.05%
-23.7% YoY +84.7% QoQ
-0.51% 0.57%
+7.6% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
Bottom 6.5% in tier

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 18.8%
-2.9pp YoY
-0.4pp QoQ
 -3.3pp 22.1% 18.9% 22.2% 39%
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 5.0%
+0.2pp YoY
+0.3pp QoQ
 -6.6pp 11.6% 10.5% 12.5% 20%
CRE 51.9%
-1.3pp YoY
-0.7pp QoQ
 +12.3pp 39.5% 46.4% 41.4% 73%
1-4 Family 23.6%
+0.7pp YoY
+0.7pp QoQ
 -9.0pp 32.6% 32.3% 31.3% 38%
Consumer 1.2%
0.0pp YoY
0.0pp QoQ
 -2.9pp 4.1% 2.6% 5.0% 33%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.5% 19.7% n/a
Leverage Ratio 31.6%
+2.5pp YoY
+1.2pp QoQ
 +19.4pp 12.2% 12.6% 12.6% 99%
Total Capital Ratio n/a n/a 19.9% 16.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 24
0 YoY
0 QoQ
 -35 58 134 482 17%
Assets per Employee ($) $15.2M
+2.4% YoY
+1.2% QoQ
 +$7.6M $7.5M $8.2M $8.8M 97%
Branch Count 5
0 YoY
0 QoQ
 0 4 9 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Past Due 90+ Days 0.3%
0.0pp YoY
 0.0pp 0.3% 0.4% 0.4% 76%
Nonaccrual 0.6%
+0.3pp YoY
0.0pp QoQ
 -0.3pp 0.9% 0.9% 1.0% 58%
Allowance Coverage 0.71x
-33.9% YoY
-35.8% QoQ
 -23.44x 24.15x 56.89x 20.23x 18%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.0% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 11.2%
-0.2pp YoY
-0.2pp QoQ
 -1.0pp 12.2% 11.8% 11.6% 44%
Cost of Funds (YTD) 1.5%
-0.2pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.8% 1.7% 34%
Net Income ($, YTD) $6.2M
+10.1% YoY
— QoQ
 +$3.7M $2.6M $7.9M $40.4M 93%

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)

Profitability Leader

growth
#178 of 661 • Top 26.8% in tier

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

Why this signature
Return on Assets: 3.38%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (2)

Liquidity Overhang

risk
#14 of 742 • Bottom 1.8% 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: 31.61%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 135.32%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#125 of 936 • Bottom 13.2% in tier

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

936 of 936 Community banks match · 1401 nationally
→ Stable -58 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

6
Efficiency Ratio
profitability
Value: 16.86%
Peer Median: 64.48%
#6 of 2643 Top 0.2% in $100M-$1B
34
Return on Assets
profitability
Value: 3.38%
Peer Median: 1.32%
#34 of 2643 Top 1.2% in $100M-$1B
96
Tier 1 Capital Ratio
capital
Value: 31.61%
Peer Median: 15.91%
#96 of 2643 Top 3.6% in $100M-$1B
150
Net Interest Margin
profitability
Value: 5.19%
Peer Median: 3.99%
#150 of 2643 Top 5.6% in $100M-$1B

Top Weaknesses (3 metrics)

2635
Loan-to-Deposit Ratio
liquidity
Value: 135.32%
Peer Median: 77.95%
#2635 of 2643 Bottom 0.3% in $100M-$1B
2471
Non-Interest Income / Assets
revenue_mix
Value: 0.05%
Peer Median: 0.57%
#2471 of 2643 Bottom 6.5% in $100M-$1B
1992
Nonperforming Asset Ratio
credit_quality
Value: 0.85%
Peer Median: 0.67%
#1992 of 2643 Bottom 24.7% in $100M-$1B
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