BlastPoint's Banking Scorecard

Spring Bank

$100M-$1B Specialty: Commercial WI FDIC cert 58780

Designations: ✓ CDFI-certified

Brookfield, 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 +4.9% year over year ($332.3M on the books).
Delinquency rate 2.74%.
Return on assets 1.54%.
Efficiency ratio 47.15% vs a 64.48% peer average.
Loan-to-deposit ratio 109.67% 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) →

Spring Bank has 2 strengths but faces 5 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

+ ROA 0.21% above tier average
+ Efficiency Ratio 17.33% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 56.2% in tier
- Delinquency Rate 1.82% above tier average
- Loan-to-Deposit Ratio 31.72% above tier average
- Nonperforming Asset Ratio 1.59% above tier average
- Net Interest Margin 0.32% below tier average

Get updates when Spring Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$440.7M +5.6% YoY -0.3% QoQ	+$54.2M	$386.6M +1.2% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	66%
Total Loans ?	$364.4M +3.9% YoY -0.5% QoQ	+$106.1M	$258.3M +1.7% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	76%
Total Deposits ?	$332.3M +4.9% YoY +0.9% QoQ	+$5.6M	$326.7M +0.7% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	60%
Return on Assets ?	1.54% +36.6% YoY +4.6% QoQ	+0.21%	1.32% +10.8% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	67%
Net Interest Margin ?	3.67% +10.1% YoY +3.3% QoQ	-0.32%	3.99% +5.0% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	35%
Efficiency Ratio ?	47.15% -13.4% YoY -2.4% QoQ	-17.33%	64.48% -3.2% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	Top 11.9% in tier
Delinquency Rate ?	2.74% -17.4% YoY -17.6% QoQ	+1.82%	0.92% +15.7% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	Bottom 7.4% in tier
Loan-to-Deposit Ratio ?	109.67% -1.0% YoY -1.4% QoQ	+31.72%	77.95% +1.0% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	Bottom 3.1% in tier
Non-Interest-Bearing Deposit Share ?	11.84% -17.3% YoY -6.4% QoQ	-10.19%	22.03% -0.6% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	Bottom 14.1% in tier
Nonperforming Asset Ratio ?	2.26% -18.7% YoY -17.8% QoQ	+1.59%	0.67% +16.4% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	Bottom 5.7% in tier
Tier 1 Capital Ratio ?	11.57% -0.9% YoY -1.8% QoQ	-4.34%	15.91% +1.4% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	30%
Non-Interest Income / Assets ?	0.07% +18.2% YoY +102.4% QoQ	-0.49%	0.57% +7.6% YoY	2.21% +12.7% YoY	0.66% +5.2% YoY	Bottom 10.6% 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	11.8% -2.5pp YoY -0.8pp QoQ	-10.3pp	22.1%	18.9%	22.2%	14%
Brokered Deposits	5.5% +0.3pp YoY -0.5pp QoQ	-2.4pp	7.9%	9.2%	8.5%	55%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
C&I	19.2% +2.0pp YoY +0.5pp QoQ	+7.6pp	11.6%	10.5%	12.5%	86%
CRE	68.0% -2.9pp YoY -0.7pp QoQ	+28.5pp	39.5%	46.4%	41.4%	91%
1-4 Family	14.1% +1.0pp YoY +0.2pp QoQ	-18.5pp	32.6%	32.3%	31.3%	18%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.1pp	4.1%	2.6%	5.0%	1%

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	11.6% -0.1pp YoY -0.2pp QoQ	-0.6pp	12.2%	12.6%	12.6%	59%
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	37 +3 (+8.8%) YoY 0 QoQ	-22	58	134	482	37%
Assets per Employee ($)	$11.9M -3.0% YoY -0.3% QoQ	+$4.4M	$7.5M	$8.2M	$8.8M	92%
Branch Count	1 0 YoY 0 QoQ	-4	4	9	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.3pp YoY -0.3pp QoQ	-0.3pp	0.3%	0.4%	0.4%	26%
Nonaccrual	2.7% -0.3pp YoY -0.3pp QoQ	+1.8pp	0.9%	0.9%	1.0%	92%
Allowance Coverage	0.49x +17.2% YoY +19.1% QoQ	-23.67x	24.15x	56.89x	20.23x	10%
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	13.6% +3.8pp YoY +0.6pp QoQ	+1.4pp	12.2%	11.8%	11.6%	60%
Cost of Funds (YTD)	2.8% -0.2pp YoY 0.0pp QoQ	+1.1pp	1.7%	1.8%	1.7%	96%
Net Income ($, YTD)	$3.4M +50.6% YoY — QoQ	+$816K	$2.6M	$7.9M	$40.4M	74%

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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)

NIB Deposit Bleed

decline

#92 of 162 • Bottom 56.2% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 11.84%

(Tier: 22.03%, National: 21.98%)

worse than tier avg

162 of 162 Community banks match · 211 nationally

↓ Shrinking -26 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

316

Efficiency Ratio

profitability

Value: 47.15%

Peer Median: 64.48%

#316 of 2643 Top 11.9% in $100M-$1B

648

Total Loans

size

Value: $364.42M

Peer Median: $258.35M

#648 of 2643 Top 24.5% in $100M-$1B

Top Weaknesses (5 metrics)

2563

Loan-to-Deposit Ratio

liquidity

Value: 109.67%

Peer Median: 77.95%

#2563 of 2643 Bottom 3.1% in $100M-$1B

2493

Nonperforming Asset Ratio

credit_quality

Value: 2.26%

Peer Median: 0.67%

#2493 of 2643 Bottom 5.7% in $100M-$1B

2440

Delinquency Rate

credit_quality

Value: 2.74%

Peer Median: 0.92%

#2440 of 2633 Bottom 7.4% in $100M-$1B

2365

Non-Interest Income / Assets

revenue_mix

Value: 0.07%

Peer Median: 0.57%

#2365 of 2643 Bottom 10.6% in $100M-$1B

2272

Non-Interest-Bearing Deposit Share

funding

Value: 11.84%

Peer Median: 22.03%

#2272 of 2643 Bottom 14.1% in $100M-$1B