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Mound City Bank

$100M-$1B Specialty: Agricultural WI FDIC cert 9037

Platteville, WI

6 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 +4.8% year over year ($468.0M on the books).
  • Delinquency rate 0.11%.
  • Return on assets 1.67%.
  • Efficiency ratio 54.61% vs a 64.48% peer average.
  • Loan-to-deposit ratio 91.52% 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) →

Mound City Bank has 4 strengths but faces 3 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

  • + Revenue Diversifier: Top 40.7% in tier
  • + ROA 0.34% above tier average
  • + Efficiency Ratio 9.87% below tier average
  • + Delinquency Rate 0.81% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 36.7% in tier
  • - Liquidity Strain: Bottom 41.2% in tier
  • - Net Interest Margin 0.25% below tier average
Get updates when Mound City 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 ? $550.7M
+6.7% YoY +0.9% QoQ
+$164.1M $386.6M
+1.2% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
76%
Total Loans ? $428.3M
+9.3% YoY +2.8% QoQ
+$170.0M $258.3M
+1.7% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
82%
Total Deposits ? $468.0M
+4.8% YoY -0.6% QoQ
+$141.2M $326.7M
+0.7% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
77%
Return on Assets ? 1.67%
+39.1% YoY +6.6% QoQ
+0.34% 1.32%
+10.8% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
74%
Net Interest Margin ? 3.74%
+17.2% YoY +3.9% QoQ
-0.25% 3.99%
+5.0% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
39%
Efficiency Ratio ? 54.61%
-9.3% YoY -0.7% QoQ
-9.87% 64.48%
-3.2% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
73%
Delinquency Rate ? 0.11%
-73.6% YoY +169.4% QoQ
-0.81% 0.92%
+15.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
73%
Loan-to-Deposit Ratio ? 91.52%
+4.2% YoY +3.4% QoQ
+13.57% 77.95%
+1.0% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
23%
Non-Interest-Bearing Deposit Share ? 14.71%
-5.7% YoY -2.7% QoQ
-7.32% 22.03%
-0.6% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
23%
Nonperforming Asset Ratio ? 0.08%
-72.9% YoY +174.5% QoQ
-0.58% 0.67%
+16.4% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
73%
Tier 1 Capital Ratio ? 16.72%
+2.6% YoY -0.3% QoQ
+0.81% 15.91%
+1.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
76%
Non-Interest Income / Assets ? 0.48%
+13.6% YoY +96.2% QoQ
-0.09% 0.57%
+7.6% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
Top 10.3% 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 14.7%
-0.9pp YoY
-0.4pp QoQ
 -7.4pp 22.1% 18.9% 22.2% 23%
Brokered Deposits 3.3%
-2.2pp YoY
-1.1pp QoQ
 -4.6pp 7.9% 9.2% 8.5% 40%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
C&I 3.2%
-0.4pp YoY
-0.1pp QoQ
 -8.4pp 11.6% 10.5% 12.5% 10%
CRE 41.6%
+3.4pp YoY
+1.9pp QoQ
 +2.0pp 39.5% 46.4% 41.4% 56%
1-4 Family 27.4%
-1.0pp YoY
-0.7pp QoQ
 -5.2pp 32.6% 32.3% 31.3% 45%
Consumer 0.9%
0.0pp YoY
0.0pp QoQ
 -3.3pp 4.1% 2.6% 5.0% 25%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio 16.7%
+0.4pp YoY
-0.1pp QoQ
 -2.1pp 18.8% 15.5% 19.7% 62%
Leverage Ratio 13.1%
+0.4pp YoY
+0.4pp QoQ
 +0.9pp 12.2% 12.6% 12.6% 76%
Total Capital Ratio 18.0%
+0.4pp YoY
0.0pp QoQ
 -2.0pp 19.9% 16.6% 20.8% 63%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 75
+2 (+2.7%) YoY
+2 (+2.7%) QoQ
 +16 58 134 482 74%
Assets per Employee ($) $7.3M
+3.9% YoY
-1.8% QoQ
 -$176K $7.5M $8.2M $8.8M 58%
Branch Count 6
0 YoY
0 QoQ
 +1 4 9 18 66%

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 0.1%
-0.3pp YoY
+0.1pp QoQ
 -0.8pp 0.9% 0.9% 1.0% 20%
Allowance Coverage 12.53x
+246.6% YoY
-63.8% QoQ
 -11.63x 24.15x 56.89x 20.23x 84%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.0% 0.2% 44%

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 13.6%
+3.3pp YoY
+0.7pp QoQ
 +1.4pp 12.2% 11.8% 11.6% 59%
Cost of Funds (YTD) 1.7%
-0.1pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.8% 1.7% 53%
Net Income ($, YTD) $4.6M
+50.0% YoY
— QoQ
 +$2.0M $2.6M $7.9M $40.4M 84%

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 (1)

Revenue Diversifier

growth
#270 of 661 • Top 40.7% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.48%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 1.67%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Concerns (2)

Liquidity Overhang

risk
#273 of 742 • Bottom 36.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 16.72%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 91.52%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#286 of 691 • Bottom 41.2% 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: 91.52%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

273
Non-Interest Income / Assets
revenue_mix
Value: 0.48%
Peer Median: 0.57%
#273 of 2643 Top 10.3% in $100M-$1B
477
Total Loans
size
Value: $428.31M
Peer Median: $258.35M
#477 of 2643 Top 18.0% in $100M-$1B
615
Total Deposits
size
Value: $467.98M
Peer Median: $326.73M
#615 of 2643 Top 23.2% in $100M-$1B
629
Total Assets
size
Value: $550.67M
Peer Median: $386.57M
#629 of 2643 Top 23.8% in $100M-$1B
643
Tier 1 Capital Ratio
capital
Value: 16.72%
Peer Median: 15.91%
#643 of 2643 Top 24.3% in $100M-$1B

Top Weaknesses (2 metrics)

2033
Non-Interest-Bearing Deposit Share
funding
Value: 14.71%
Peer Median: 22.03%
#2033 of 2643 Bottom 23.1% in $100M-$1B
2029
Loan-to-Deposit Ratio
liquidity
Value: 91.52%
Peer Median: 77.95%
#2029 of 2643 Bottom 23.3% in $100M-$1B
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