BlastPoint's Banking Scorecard
Bluff View Bank
Galesville, WI
3 branches across WI
Bluff View Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.22% above tier average
- + Delinquency Rate 0.88% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 15.5% in tier
- - Liquidity Overhang: Bottom 28.0% in tier
- - Return on Assets 1.05% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$153.8M
+7.3% YoY
+1.5% QoQ
|
-$232.2M |
$386.1M
+0.5% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
15% |
| Total Loans ? |
$99.1M
+11.5% YoY
+2.9% QoQ
|
-$156.7M |
$255.7M
+1.1% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
19% |
| Total Deposits ? |
$120.4M
-1.6% YoY
+1.4% QoQ
|
-$207.6M |
$328.0M
+0.1% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
Bottom 12.0% in tier |
| Return on Assets ? |
0.22%
-80.1% YoY
-85.2% QoQ
|
-1.05% |
1.27%
+12.9% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
Bottom 6.6% in tier |
| Net Interest Margin ? |
4.15%
+16.0% YoY
+7.4% QoQ
|
+0.22% |
3.93%
+6.0% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
65% |
| Efficiency Ratio ? |
95.03%
+28.3% YoY
+42.3% QoQ
|
+29.74% |
65.29%
-4.5% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 3.9% in tier |
| Delinquency Rate ? |
0.01%
-70.9% YoY
|
-0.88% |
0.89%
+18.8% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
Top 14.3% in tier |
| Loan-to-Deposit Ratio ? |
82.28%
+13.3% YoY
+1.5% QoQ
|
+5.65% |
76.64%
+0.8% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
23.38%
+3.0% YoY
-3.7% QoQ
|
+1.36% |
22.02%
-1.0% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
60% |
| Nonperforming Asset Ratio ? |
0.01%
-69.8% YoY
|
-0.63% |
0.64%
+19.7% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
Top 13.4% in tier |
| Tier 1 Capital Ratio ? |
20.83%
+7.5% YoY
+9.0% QoQ
|
+5.00% |
15.83%
+1.5% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
Top 11.8% in tier |
| Non-Interest Income / Assets ? |
0.22%
+0.3% YoY
-75.0% QoQ
|
-0.06% |
0.28%
+9.3% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
Top 11.3% in tier |
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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 (2)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.