BlastPoint's Banking Scorecard

Bristol Morgan Bank

$100M-$1B Specialty: Commercial WI FDIC cert 9523

Oakfield, WI

4 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 +19.4% year over year ($157.1M on the books).
Delinquency rate 0.43%.
Return on assets 0.91%.
Efficiency ratio 72.66% vs a 64.48% peer average.
Loan-to-deposit ratio 97.37% 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) →

Bristol Morgan Bank has 2 strengths but faces 4 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

+ Net Interest Margin 0.25% above tier average
+ Delinquency Rate 0.49% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 14.2% in tier
- Liquidity Strain: Bottom 44.9% in tier
- ROA 0.41% below tier average
- Efficiency Ratio 8.18% above tier average

Get updates when Bristol Morgan 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 ?	$191.2M +8.2% YoY -0.9% QoQ	-$195.4M	$386.6M +1.2% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	24%
Total Loans ?	$153.0M +6.0% YoY -3.6% QoQ	-$105.4M	$258.3M +1.7% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	36%
Total Deposits ?	$157.1M +19.4% YoY +4.2% QoQ	-$169.6M	$326.7M +0.7% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	23%
Return on Assets ?	0.91% +10.6% YoY +48.1% QoQ	-0.41%	1.32% +10.8% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	29%
Net Interest Margin ?	4.23% +3.3% YoY +3.2% QoQ	+0.25%	3.99% +5.0% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	67%
Efficiency Ratio ?	72.66% -0.6% YoY -10.5% QoQ	+8.18%	64.48% -3.2% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	24%
Delinquency Rate ?	0.43% -30.0% YoY -20.7% QoQ	-0.49%	0.92% +15.7% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	49%
Loan-to-Deposit Ratio ?	97.37% -11.3% YoY -7.4% QoQ	+19.42%	77.95% +1.0% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	Bottom 13.1% in tier
Non-Interest-Bearing Deposit Share ?	12.97% -25.2% YoY -22.4% QoQ	-9.06%	22.03% -0.6% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	17%
Nonperforming Asset Ratio ?	0.35% -31.4% YoY -22.9% QoQ	-0.32%	0.67% +16.4% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	48%
Tier 1 Capital Ratio ?	13.78% +1.6% YoY +10.0% QoQ	-2.12%	15.91% +1.4% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	56%
Non-Interest Income / Assets ?	0.09% -5.4% YoY +133.2% QoQ	-0.47%	0.57% +7.6% YoY	2.21% +12.7% YoY	0.66% +5.2% YoY	16%

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	13.0% -4.4pp YoY -3.7pp QoQ	-9.2pp	22.1%	18.9%	22.2%	17%
Brokered Deposits	8.2% -6.1pp YoY -0.3pp QoQ	+0.4pp	7.9%	9.2%	8.5%	69%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
C&I	7.8% +0.8pp YoY -1.4pp QoQ	-3.7pp	11.6%	10.5%	12.5%	39%
CRE	54.4% +4.8pp YoY +2.8pp QoQ	+14.8pp	39.5%	46.4%	41.4%	77%
1-4 Family	34.4% -3.6pp YoY -1.7pp QoQ	+1.7pp	32.6%	32.3%	31.3%	60%
Consumer	0.5% -0.6pp YoY 0.0pp QoQ	-3.6pp	4.1%	2.6%	5.0%	16%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
CET1 Ratio	13.8% +0.2pp YoY +1.2pp QoQ	-5.0pp	18.8%	15.5%	19.7%	37%
Leverage Ratio	10.3% -0.6pp YoY 0.0pp QoQ	-1.9pp	12.2%	12.6%	12.6%	37%
Total Capital Ratio	15.0% +0.4pp YoY +1.4pp QoQ	-4.9pp	19.9%	16.6%	20.8%	38%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Full-Time Employees	33 -1 (-2.9%) YoY 0 QoQ	-26	58	134	482	31%
Assets per Employee ($)	$5.8M +11.4% YoY -0.9% QoQ	-$1.7M	$7.5M	$8.2M	$8.8M	29%
Branch Count	4 +1 (+33.3%) YoY 0 QoQ	-1	4	9	18	42%

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	0.4% -0.2pp YoY -0.1pp QoQ	-0.5pp	0.9%	0.9%	1.0%	49%
Allowance Coverage	2.65x +54.7% YoY +33.4% QoQ	-21.50x	24.15x	56.89x	20.23x	55%
Net Charge-off Rate (YTD)	-0.0% +0.1pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.0%	0.2%	9%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
ROE	9.0% +1.3pp YoY +2.8pp QoQ	-3.2pp	12.2%	11.8%	11.6%	31%
Cost of Funds (YTD)	2.3% +0.1pp YoY +0.1pp QoQ	+0.5pp	1.7%	1.8%	1.7%	83%
Net Income ($, YTD)	$872,000 +23.2% YoY — QoQ	-$1.7M	$2.6M	$7.9M	$40.4M	23%

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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 (2)

NIB Deposit Bleed

decline

#24 of 162 • Bottom 14.2% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 12.97%

(Tier: 22.03%, National: 21.98%)

worse than tier avg

162 of 162 Community banks match · 211 nationally

↓ Shrinking -26 banks QoQ

Liquidity Strain

risk

#311 of 691 • Bottom 44.9% 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: 97.37%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 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 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (6 metrics)

2298

Loan-to-Deposit Ratio

liquidity

Value: 97.37%

Peer Median: 77.95%

#2298 of 2643 Bottom 13.1% in $100M-$1B

2212

Non-Interest Income / Assets

revenue_mix

Value: 0.09%

Peer Median: 0.57%

#2212 of 2643 Bottom 16.3% in $100M-$1B

2184

Non-Interest-Bearing Deposit Share

funding

Value: 12.97%

Peer Median: 22.03%

#2184 of 2643 Bottom 17.4% in $100M-$1B

2033

Total Deposits

size

Value: $157.11M

Peer Median: $326.73M

#2033 of 2643 Bottom 23.1% in $100M-$1B

2002

Total Assets

size

Value: $191.21M

Peer Median: $386.57M

#2002 of 2643 Bottom 24.3% in $100M-$1B

1997

Efficiency Ratio

profitability

Value: 72.66%

Peer Median: 64.48%

#1997 of 2643 Bottom 24.5% in $100M-$1B