BlastPoint's Banking Scorecard
Bristol Morgan Bank
Oakfield, WI
4 branches across WI
Bristol Morgan Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.17% above tier average
- + Delinquency Rate 0.34% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 19.3% in tier
- - Loan-to-Deposit Ratio 28.57% above tier average
- - ROA 0.66% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$192.9M
+15.6% YoY
+0.6% QoQ
|
-$193.2M |
$386.1M
+0.5% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
25% |
| Total Loans ? |
$158.6M
+14.6% YoY
+1.6% QoQ
|
-$97.1M |
$255.7M
+1.1% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
38% |
| Total Deposits ? |
$150.8M
+18.4% YoY
+0.6% QoQ
|
-$177.2M |
$328.0M
+0.1% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
22% |
| Return on Assets ? |
0.61%
-10.9% YoY
-26.7% QoQ
|
-0.66% |
1.27%
+12.9% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
17% |
| Net Interest Margin ? |
4.10%
+3.5% YoY
-3.7% QoQ
|
+0.17% |
3.93%
+6.0% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
63% |
| Efficiency Ratio ? |
81.20%
+4.5% YoY
+11.3% QoQ
|
+15.91% |
65.29%
-4.5% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 14.1% in tier |
| Delinquency Rate ? |
0.55%
-14.3% YoY
+28.7% QoQ
|
-0.34% |
0.89%
+18.8% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
105.20%
-3.2% YoY
+1.0% QoQ
|
+28.57% |
76.64%
+0.8% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 4.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.72%
-10.4% YoY
-10.4% QoQ
|
-5.30% |
22.02%
-1.0% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
31% |
| Nonperforming Asset Ratio ? |
0.45%
-15.1% YoY
+30.0% QoQ
|
-0.19% |
0.64%
+19.7% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
40% |
| Tier 1 Capital Ratio ? |
12.53%
-11.6% YoY
-2.5% QoQ
|
-3.30% |
15.83%
+1.5% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.04%
-19.8% YoY
-77.5% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
Bottom 13.7% in tier |
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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 (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.