BlastPoint's Banking Scorecard

Mound City Bank

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

Platteville, WI

6 branches across WI

2664 banks in the $100M-$1B peer group nationally 113 in WI

Mound City Bank has 4 strengths but faces 2 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 40.4% in tier
+ ROA 0.29% above tier average
+ Efficiency Ratio 10.30% below tier average
+ Delinquency Rate 0.85% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 39.8% in tier
- Net Interest Margin 0.33% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$545.9M +7.9% YoY +0.3% QoQ	+$159.8M	$386.1M +0.5% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	76%
Total Loans ?	$416.6M +6.9% YoY +0.7% QoQ	+$160.9M	$255.7M +1.1% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	81%
Total Deposits ?	$470.8M +7.4% YoY +0.2% QoQ	+$142.8M	$328.0M +0.1% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	77%
Return on Assets ?	1.56% +23.0% YoY +19.8% QoQ	+0.29%	1.27% +12.9% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	71%
Net Interest Margin ?	3.60% +19.3% YoY +4.5% QoQ	-0.33%	3.93% +6.0% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	35%
Efficiency Ratio ?	54.98% -4.1% YoY -7.9% QoQ	-10.30%	65.29% -4.5% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	74%
Delinquency Rate ?	0.04% -90.5% YoY +179.6% QoQ	-0.85%	0.89% +18.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	81%
Loan-to-Deposit Ratio ?	88.49% -0.4% YoY +0.5% QoQ	+11.85%	76.64% +0.8% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	27%
Non-Interest-Bearing Deposit Share ?	15.12% -3.6% YoY -4.1% QoQ	-6.90%	22.02% -1.0% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	25%
Nonperforming Asset Ratio ?	0.03% -90.6% YoY +180.8% QoQ	-0.61%	0.64% +19.7% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	81%
Tier 1 Capital Ratio ?	16.77% +3.5% YoY +3.0% QoQ	+0.94%	15.83% +1.5% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	76%
Non-Interest Income / Assets ?	0.24% +10.1% YoY -72.8% QoQ	-0.04%	0.28% +9.3% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	Top 9.6% in tier

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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 (1)

Revenue Diversifier

growth

#270 of 666 • Top 40.4% 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: 0.24%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 1.56%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk

#295 of 739 • Bottom 39.8% 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: 16.77%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 88.49%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | 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 2664 peers in $100M-$1B

Top Strengths (7 metrics)

256

Non-Interest Income / Assets

revenue_mix

Value: 0.24%

Peer Median: 0.28%

#256 of 2664 Top 9.6% in $100M-$1B

501

Total Loans

size

Value: $416.60M

Peer Median: $255.72M

#501 of 2664 Top 18.8% in $100M-$1B

506

Nonperforming Asset Ratio

credit_quality

Value: 0.03%

Peer Median: 0.64%

#506 of 2664 Top 19.0% in $100M-$1B

506

Delinquency Rate

credit_quality

Value: 0.04%

Peer Median: 0.89%

#506 of 2654 Top 19.0% in $100M-$1B

617

Total Deposits

size

Value: $470.82M

Peer Median: $327.97M

#617 of 2664 Top 23.1% in $100M-$1B

635

Total Assets

size

Value: $545.89M

Peer Median: $386.08M

#635 of 2664 Top 23.8% in $100M-$1B

636

Tier 1 Capital Ratio

capital

Value: 16.77%

Peer Median: 15.83%

#636 of 2664 Top 23.8% in $100M-$1B

Top Weaknesses (1 metrics)

2006

Non-Interest-Bearing Deposit Share

funding

Value: 15.12%

Peer Median: 22.02%

#2006 of 2664 Bottom 24.7% in $100M-$1B