BlastPoint's Banking Scorecard
Bluff View Bank
Galesville, WI
3 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 -6.7% year over year ($118.4M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.26%.
- Efficiency ratio 74.04% vs a 64.48% peer average.
- Loan-to-deposit ratio 85.47% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bluff View Bank has 4 strengths but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 48.6% in tier
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + Net Interest Margin 0.27% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 28.8% in tier
- - Flatlined Growth: Bottom 39.3% in tier
- - Capital Constraint: Bottom 41.1% in tier
- - Deposit Outflow: Bottom 48.0% in tier
- - ROA 0.06% below tier average
- - Efficiency Ratio 9.56% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$152.8M
-1.0% YoY
-0.7% QoQ
|
-$233.8M |
$386.6M
+1.2% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
Bottom 14.8% in tier |
| Total Loans ? |
$101.2M
+7.5% YoY
+2.2% QoQ
|
-$157.1M |
$258.3M
+1.7% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
19% |
| Total Deposits ? |
$118.4M
-6.7% YoY
-1.6% QoQ
|
-$208.3M |
$326.7M
+0.7% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
Bottom 11.3% in tier |
| Return on Assets ? |
1.26%
+0.9% YoY
+481.2% QoQ
|
-0.06% |
1.32%
+10.8% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
51% |
| Net Interest Margin ? |
4.26%
+19.0% YoY
+2.6% QoQ
|
+0.27% |
3.99%
+5.0% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
68% |
| Efficiency Ratio ? |
74.04%
+5.3% YoY
-22.1% QoQ
|
+9.56% |
64.48%
-3.2% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
22% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.92% |
0.92%
+15.7% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
85.47%
+15.3% YoY
+3.9% QoQ
|
+7.51% |
77.95%
+1.0% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
24.98%
+10.0% YoY
+6.9% QoQ
|
+2.95% |
22.03%
-0.6% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.67% |
0.67%
+16.4% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
20.04%
+6.8% YoY
-3.8% QoQ
|
+4.13% |
15.91%
+1.4% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
Top 13.6% in tier |
| Non-Interest Income / Assets ? |
0.52%
+23.0% YoY
+133.2% QoQ
|
-0.05% |
0.57%
+7.6% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
Top 9.1% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
25.0%
+2.3pp YoY +1.6pp QoQ |
+2.8pp | 22.1% | 18.9% | 22.2% | 66% |
| Brokered Deposits |
7.3%
-2.8pp YoY -2.0pp QoQ |
-0.5pp | 7.9% | 9.2% | 8.5% | 65% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.4%
-1.5pp YoY -0.5pp QoQ |
-1.2pp | 11.6% | 10.5% | 12.5% | 55% |
| CRE |
36.7%
+5.0pp YoY +1.1pp QoQ |
-2.8pp | 39.5% | 46.4% | 41.4% | 47% |
| 1-4 Family |
25.7%
-2.3pp YoY -0.9pp QoQ |
-6.9pp | 32.6% | 32.3% | 31.3% | 42% |
| Consumer |
3.2%
-0.8pp YoY -0.1pp QoQ |
-0.9pp | 4.1% | 2.6% | 5.0% | 62% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
20.0%
+1.3pp YoY -0.8pp QoQ |
+1.2pp | 18.8% | 15.5% | 19.7% | 78% |
| Leverage Ratio |
14.9%
-0.1pp YoY 0.0pp QoQ |
+2.8pp | 12.2% | 12.6% | 12.6% | 86% |
| Total Capital Ratio |
20.9%
+1.4pp YoY -0.8pp QoQ |
+1.0pp | 19.9% | 16.6% | 20.8% | 77% |
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 ($) |
$6.4M
-1.0% YoY -0.7% QoQ |
-$1.2M | $7.5M | $8.2M | $8.8M | 40% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 9 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.9% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 56.89x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.0% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.8%
-0.6pp YoY +7.2pp QoQ |
-3.4pp | 12.2% | 11.8% | 11.6% | 30% |
| Cost of Funds (YTD) |
1.6%
-0.3pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.8% | 1.7% | 40% |
| Net Income ($, YTD) |
$965,000
+4.4% YoY — QoQ |
-$1.6M | $2.6M | $7.9M | $40.4M | 26% |
Get Full Access to Bluff View Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (4)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.