BlastPoint's Banking Scorecard

The First National Bank of Bangor

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

Bangor, WI

5 branches across WI

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

The First National Bank of Bangor has 4 strengths but faces 4 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 35.3% in tier
+ Net Interest Margin 1.28% above tier average
+ Efficiency Ratio 48.51% below tier average
+ Delinquency Rate 0.30% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 1.5% in tier
- Credit Risk Growth: Bottom 26.6% in tier
- Credit Quality Pressure: Bottom 43.5% in tier
- Non-Interest Income / Assets 0.25% below tier average

Get updates when The First National Bank of Bangor releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$359.4M +1.9% YoY -5.9% QoQ	-$26.7M	$386.1M +0.5% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	56%
Total Loans ?	$315.6M +4.6% YoY +0.2% QoQ	+$59.9M	$255.7M +1.1% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	70%
Total Deposits ?	$223.9M +3.8% YoY -10.5% QoQ	-$104.1M	$328.0M +0.1% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	40%
Return on Assets ?	3.36% +4.2% YoY +7.6% QoQ	+2.09%	1.27% +12.9% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	Top 1.2% in tier
Net Interest Margin ?	5.21% +7.6% YoY +2.0% QoQ	+1.28%	3.93% +6.0% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	Top 5.0% in tier
Efficiency Ratio ?	16.78% -6.3% YoY -5.0% QoQ	-48.51%	65.29% -4.5% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	Top 0.2% in tier
Delinquency Rate ?	0.59% +87.4% YoY -32.9% QoQ	-0.30%	0.89% +18.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	41%
Loan-to-Deposit Ratio ?	140.97% +0.8% YoY +11.9% QoQ	+64.33%	76.64% +0.8% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	Bottom 0.2% in tier
Non-Interest-Bearing Deposit Share ?	19.18% -10.5% YoY -8.0% QoQ	-2.84%	22.02% -1.0% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	41%
Nonperforming Asset Ratio ?	0.57% +80.8% YoY -26.6% QoQ	-0.07%	0.64% +19.7% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	34%
Tier 1 Capital Ratio ?	30.44% +7.3% YoY +2.5% QoQ	+14.61%	15.83% +1.5% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	Top 3.7% in tier
Non-Interest Income / Assets ?	0.03% -13.9% YoY -76.8% QoQ	-0.25%	0.28% +9.3% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	Bottom 8.0% in tier

Get Full Access to The First National Bank of Bangor

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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

#236 of 666 • Top 35.3% in tier

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

Why this signature

Return on Assets: 3.36%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (3)

Liquidity Overhang

risk

#12 of 739 • Bottom 1.5% 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: 30.44%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 140.97%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ

Credit Risk Growth

risk

#260 of 973 • Bottom 26.6% in tier

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

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#570 of 1308 • Bottom 43.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.59%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Efficiency Ratio

profitability

Value: 16.78%

Peer Median: 65.29%

#5 of 2664 Top 0.2% in $100M-$1B

Return on Assets

profitability

Value: 3.36%

Peer Median: 1.27%

#34 of 2664 Top 1.2% in $100M-$1B

Tier 1 Capital Ratio

capital

Value: 30.44%

Peer Median: 15.83%

#99 of 2664 Top 3.7% in $100M-$1B

134

Net Interest Margin

profitability

Value: 5.21%

Peer Median: 3.93%

#134 of 2664 Top 5.0% in $100M-$1B

Top Weaknesses (2 metrics)

2659

Loan-to-Deposit Ratio

liquidity

Value: 140.97%

Peer Median: 76.64%

#2659 of 2664 Bottom 0.2% in $100M-$1B

2452

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2452 of 2664 Bottom 8.0% in $100M-$1B