BlastPoint's Banking Scorecard

State Bank of Newburg

$100M-$1B Specialty: Agricultural WI FDIC cert 9529

Newburg, WI

2 branches across WI

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

State Bank of Newburg has 5 strengths but faces 1 concern

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

+ Profitability Leader: Top 28.5% in tier
+ Efficiency Ratio 24.76% below tier average
+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ Net Interest Margin 0.23% above tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 19.1% in tier

Get updates when State Bank of Newburg releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$330.9M +8.3% YoY -0.3% QoQ	-$55.2M	$386.1M +0.5% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	51%
Total Loans ?	$272.5M +10.7% YoY -1.1% QoQ	+$16.8M	$255.7M +1.1% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	63%
Total Deposits ?	$259.8M +9.5% YoY -1.2% QoQ	-$68.2M	$328.0M +0.1% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	47%
Return on Assets ?	2.05% +27.1% YoY +5.6% QoQ	+0.79%	1.27% +12.9% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	Top 11.4% in tier
Net Interest Margin ?	4.16% +9.0% YoY +1.3% QoQ	+0.23%	3.93% +6.0% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	66%
Efficiency Ratio ?	40.52% -8.6% YoY +5.0% QoQ	-24.76%	65.29% -4.5% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	Top 4.6% in tier
Delinquency Rate ?	0.00% -100.0% YoY	-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 ?	104.89% +1.1% YoY +0.1% QoQ	+28.25%	76.64% +0.8% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	Bottom 5.0% in tier
Non-Interest-Bearing Deposit Share ?	11.23% -8.2% YoY +3.2% QoQ	-10.79%	22.02% -1.0% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	Bottom 13.3% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-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 ?	16.62% -0.0% YoY +2.7% QoQ	+0.79%	15.83% +1.5% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	75%
Non-Interest Income / Assets ?	0.05% -10.7% YoY -76.1% QoQ	-0.23%	0.28% +9.3% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	21%

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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)

Profitability Leader

growth

#191 of 666 • Top 28.5% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.05%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (1)

Liquidity Overhang

risk

#142 of 739 • Bottom 19.1% 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: 16.62%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 104.89%

(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 (5 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

124

Efficiency Ratio

profitability

Value: 40.52%

Peer Median: 65.29%

#124 of 2664 Top 4.6% in $100M-$1B

305

Return on Assets

profitability

Value: 2.05%

Peer Median: 1.27%

#305 of 2664 Top 11.4% in $100M-$1B

656

Tier 1 Capital Ratio

capital

Value: 16.62%

Peer Median: 15.83%

#656 of 2664 Top 24.6% in $100M-$1B

Top Weaknesses (3 metrics)

2531

Loan-to-Deposit Ratio

liquidity

Value: 104.89%

Peer Median: 76.64%

#2531 of 2664 Bottom 5.0% in $100M-$1B

2310

Non-Interest-Bearing Deposit Share

funding

Value: 11.23%

Peer Median: 22.02%

#2310 of 2664 Bottom 13.3% in $100M-$1B

2095

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2095 of 2664 Bottom 21.4% in $100M-$1B