BlastPoint's Banking Scorecard
Waldo State Bank
Waldo, WI
Waldo State Bank faces 7 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 1.7% in tier
- - Capital Thin: Bottom 14.0% in tier
- - Flatlined Growth: Bottom 21.9% in tier
- - Cost Spiral: Bottom 97.6% in tier
- - ROA 0.61% below tier average
- - Net Interest Margin 0.43% below tier average
- - Delinquency Rate 1.15% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$153.4M
+0.5% YoY
+0.0% QoQ
|
-$232.7M |
$386.1M
+0.5% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
15% |
| Total Loans ? |
$116.4M
-5.2% YoY
-0.0% QoQ
|
-$139.4M |
$255.7M
+1.1% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
25% |
| Total Deposits ? |
$127.0M
+2.8% YoY
-3.8% QoQ
|
-$201.0M |
$328.0M
+0.1% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
Bottom 14.3% in tier |
| Return on Assets ? |
0.65%
-32.3% YoY
-3.7% QoQ
|
-0.61% |
1.27%
+12.9% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
19% |
| Net Interest Margin ? |
3.50%
-2.6% YoY
+1.2% QoQ
|
-0.43% |
3.93%
+6.0% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
31% |
| Efficiency Ratio ? |
74.91%
+12.7% YoY
+2.8% QoQ
|
+9.62% |
65.29%
-4.5% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
22% |
| Delinquency Rate ? |
2.04%
+234.3% YoY
-6.0% QoQ
|
+1.15% |
0.89%
+18.8% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 12.2% in tier |
| Loan-to-Deposit Ratio ? |
91.65%
-7.8% YoY
+4.0% QoQ
|
+15.01% |
76.64%
+0.8% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
10.45%
-5.4% YoY
+9.3% QoQ
|
-11.57% |
22.02%
-1.0% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
Bottom 11.8% in tier |
| Nonperforming Asset Ratio ? |
1.54%
+215.4% YoY
-6.1% QoQ
|
+0.91% |
0.64%
+19.7% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
Bottom 11.0% in tier |
| Tier 1 Capital Ratio ? |
10.20%
+2.0% YoY
+1.7% QoQ
|
-5.63% |
15.83%
+1.5% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
Bottom 11.9% in tier |
| Non-Interest Income / Assets ? |
0.10%
+32.9% YoY
-65.5% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
53% |
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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 (4)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.