BlastPoint's Banking Scorecard

The Pineries Bank

$100M-$1B Specialty: Other WI FDIC cert 9526

Stevens Point, WI

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

The Pineries 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

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.23% above tier average
+ Efficiency Ratio 8.49% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 37.9% in tier
- Net Interest Margin 0.52% 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 ?	$149.4M +5.5% YoY +0.2% QoQ	-$236.7M	$386.1M +0.5% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	Bottom 14.1% in tier
Total Loans ?	$96.4M +9.2% YoY +2.3% QoQ	-$159.3M	$255.7M +1.1% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	18%
Total Deposits ?	$131.3M +5.1% YoY +0.1% QoQ	-$196.6M	$328.0M +0.1% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	16%
Return on Assets ?	1.50% +6.3% YoY +0.6% QoQ	+0.23%	1.27% +12.9% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	67%
Net Interest Margin ?	3.41% +5.4% YoY +2.1% QoQ	-0.52%	3.93% +6.0% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	27%
Efficiency Ratio ?	56.80% -3.8% YoY +1.9% QoQ	-8.49%	65.29% -4.5% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	69%
Delinquency Rate ?	0.00% -100.0% QoQ	-0.89%	0.89% +18.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	73.44% +4.0% YoY +2.2% QoQ	-3.20%	76.64% +0.8% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	60%
Non-Interest-Bearing Deposit Share ?	19.23% -13.1% YoY -8.4% QoQ	-2.79%	22.02% -1.0% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	41%
Nonperforming Asset Ratio ?	0.00% -100.0% QoQ	-0.64%	0.64% +19.7% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	21.59% +1.3% YoY +0.4% QoQ	+5.76%	15.83% +1.5% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	Top 10.6% in tier
Non-Interest Income / Assets ?	0.05% +6.1% YoY -74.6% QoQ	-0.23%	0.28% +9.3% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	20%

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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 (1)

Liquidity Overhang

risk

#281 of 739 • Bottom 37.9% 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: 21.59%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 73.44%

(Tier: 76.64%, National: 76.70%)

better 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 (3 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

284

Tier 1 Capital Ratio

capital

Value: 21.59%

Peer Median: 15.83%

#284 of 2664 Top 10.6% in $100M-$1B

Top Weaknesses (4 metrics)

2289

Total Assets

size

Value: $149.43M

Peer Median: $386.08M

#2289 of 2664 Bottom 14.1% in $100M-$1B

2245

Total Deposits

size

Value: $131.32M

Peer Median: $327.97M

#2245 of 2664 Bottom 15.8% in $100M-$1B

2173

Total Loans

size

Value: $96.44M

Peer Median: $255.72M

#2173 of 2664 Bottom 18.5% in $100M-$1B

2144

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2144 of 2664 Bottom 19.6% in $100M-$1B