BlastPoint's Banking Scorecard

Waldo State Bank

$100M-$1B Specialty: Commercial WI FDIC cert 8700

Waldo, 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 +1.0% year over year ($127.4M on the books).
Delinquency rate 2.46%.
Return on assets 0.68%.
Efficiency ratio 74.93% vs a 64.48% peer average.
Loan-to-deposit ratio 92.07% 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) →

Waldo State Bank faces 8 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 4.6% in tier
- Flatlined Growth: Bottom 8.9% in tier
- Capital Thin: Bottom 11.5% in tier
- Delinquency Rate 1.55% above tier average
- Nonperforming Asset Ratio 1.21% above tier average
- ROA 0.64% below tier average
- Net Interest Margin 0.45% below tier average
- Efficiency Ratio 10.45% above tier average

Get updates when Waldo State 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 ?	$154.2M -1.0% YoY +0.5% QoQ	-$232.4M	$386.6M +1.2% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	15%
Total Loans ?	$117.3M -2.2% YoY +0.8% QoQ	-$141.1M	$258.3M +1.7% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	24%
Total Deposits ?	$127.4M +1.0% YoY +0.3% QoQ	-$199.3M	$326.7M +0.7% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	Bottom 14.7% in tier
Return on Assets ?	0.68% -9.8% YoY +4.0% QoQ	-0.64%	1.32% +10.8% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	18%
Net Interest Margin ?	3.54% +0.8% YoY +1.0% QoQ	-0.45%	3.99% +5.0% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	29%
Efficiency Ratio ?	74.93% +4.3% YoY +0.0% QoQ	+10.45%	64.48% -3.2% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	20%
Delinquency Rate ?	2.46% +71.6% YoY +21.1% QoQ	+1.55%	0.92% +15.7% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	Bottom 9.0% in tier
Loan-to-Deposit Ratio ?	92.07% -3.1% YoY +0.5% QoQ	+14.12%	77.95% +1.0% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	22%
Non-Interest-Bearing Deposit Share ?	9.97% +4.4% YoY -4.6% QoQ	-12.06%	22.03% -0.6% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	Bottom 10.5% in tier
Nonperforming Asset Ratio ?	1.87% +69.5% YoY +21.5% QoQ	+1.21%	0.67% +16.4% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	Bottom 8.3% in tier
Tier 1 Capital Ratio ?	10.28% +5.5% YoY +0.8% QoQ	-5.63%	15.91% +1.4% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	Bottom 14.0% in tier
Non-Interest Income / Assets ?	0.25% +94.1% YoY +151.6% QoQ	-0.31%	0.57% +7.6% YoY	2.21% +12.7% YoY	0.66% +5.2% YoY	64%

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	10.0% +0.4pp YoY -0.5pp QoQ	-12.2pp	22.1%	18.9%	22.2%	10%
Brokered Deposits	6.9% -1.1pp YoY +0.2pp QoQ	-1.0pp	7.9%	9.2%	8.5%	63%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
C&I	5.5% -1.2pp YoY -0.2pp QoQ	-6.1pp	11.6%	10.5%	12.5%	23%
CRE	31.3% -1.1pp YoY -0.2pp QoQ	-8.3pp	39.5%	46.4%	41.4%	37%
1-4 Family	58.5% +4.5pp YoY +0.7pp QoQ	+25.9pp	32.6%	32.3%	31.3%	89%
Consumer	1.7% -0.5pp YoY -0.1pp QoQ	-2.5pp	4.1%	2.6%	5.0%	42%

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	10.3% +0.5pp YoY +0.1pp QoQ	-1.9pp	12.2%	12.6%	12.6%	37%
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	23 +1 (+4.5%) YoY 0 QoQ	-36	58	134	482	15%
Assets per Employee ($)	$6.7M -5.3% YoY +0.5% QoQ	-$814K	$7.5M	$8.2M	$8.8M	46%
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	0.1% 0.0pp QoQ	-0.3pp	0.3%	0.4%	0.4%	43%
Nonaccrual	2.4% +1.0pp YoY +0.4pp QoQ	+1.5pp	0.9%	0.9%	1.0%	91%
Allowance Coverage	0.33x -43.8% YoY -13.1% QoQ	-23.82x	24.15x	56.89x	20.23x	4%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.0%	0.2%	18%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
ROE	7.0% -1.3pp YoY +0.2pp QoQ	-5.2pp	12.2%	11.8%	11.6%	21%
Cost of Funds (YTD)	2.6% -0.2pp YoY 0.0pp QoQ	+0.8pp	1.7%	1.8%	1.7%	91%
Net Income ($, YTD)	$523,000 -8.2% YoY — QoQ	-$2.0M	$2.6M	$7.9M	$40.4M	11%

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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 (3)

Liquidity Strain

risk

#33 of 691 • Bottom 4.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 92.07%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Flatlined Growth

risk

#48 of 529 • Bottom 8.9% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.68%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ | QoQ rank improving

Capital Thin

risk

#77 of 661 • Bottom 11.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.28%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | 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 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (10 metrics)

2424

Nonperforming Asset Ratio

credit_quality

Value: 1.87%

Peer Median: 0.67%

#2424 of 2643 Bottom 8.3% in $100M-$1B

2397

Delinquency Rate

credit_quality

Value: 2.46%

Peer Median: 0.92%

#2397 of 2633 Bottom 9.0% in $100M-$1B

2366

Non-Interest-Bearing Deposit Share

funding

Value: 9.97%

Peer Median: 22.03%

#2366 of 2643 Bottom 10.5% in $100M-$1B

2273

Tier 1 Capital Ratio

capital

Value: 10.28%

Peer Median: 15.91%

#2273 of 2643 Bottom 14.0% in $100M-$1B

2256

Total Deposits

size

Value: $127.39M

Peer Median: $326.73M

#2256 of 2643 Bottom 14.7% in $100M-$1B

2241

Total Assets

size

Value: $154.21M

Peer Median: $386.57M

#2241 of 2643 Bottom 15.2% in $100M-$1B

2169

Return on Assets

profitability

Value: 0.68%

Peer Median: 1.32%

#2169 of 2643 Bottom 18.0% in $100M-$1B

2104

Efficiency Ratio

profitability

Value: 74.93%

Peer Median: 64.48%

#2104 of 2643 Bottom 20.4% in $100M-$1B

2061

Loan-to-Deposit Ratio

liquidity

Value: 92.07%

Peer Median: 77.95%

#2061 of 2643 Bottom 22.1% in $100M-$1B

1998

Total Loans

size

Value: $117.29M

Peer Median: $258.35M

#1998 of 2643 Bottom 24.4% in $100M-$1B