BlastPoint's Banking Scorecard

State Bank of Newburg

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

Newburg, WI

2 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 +9.3% year over year ($260.1M on the books).
Delinquency rate 0.00%.
Return on assets 2.14%.
Efficiency ratio 39.69% vs a 64.48% peer average.
Loan-to-deposit ratio 108.17% 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) →

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 27.7% in tier
+ Efficiency Ratio 24.79% below tier average
+ Delinquency Rate 0.92% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average
+ Net Interest Margin 0.28% above tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 18.3% in tier

Get updates when State Bank of Newburg releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$328.1M +8.1% YoY -0.9% QoQ	-$58.5M	$386.6M +1.2% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	50%
Total Loans ?	$281.4M +8.9% YoY +3.3% QoQ	+$23.0M	$258.3M +1.7% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	64%
Total Deposits ?	$260.1M +9.3% YoY +0.1% QoQ	-$66.6M	$326.7M +0.7% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	47%
Return on Assets ?	2.14% +19.6% YoY +4.3% QoQ	+0.82%	1.32% +10.8% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	Top 10.0% in tier
Net Interest Margin ?	4.27% +7.1% YoY +2.5% QoQ	+0.28%	3.99% +5.0% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	69%
Efficiency Ratio ?	39.69% -5.2% YoY -2.0% QoQ	-24.79%	64.48% -3.2% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	Top 3.7% in tier
Delinquency Rate ?	0.00% -100.0% YoY	-0.92%	0.92% +15.7% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	108.17% -0.4% YoY +3.1% QoQ	+30.22%	77.95% +1.0% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	Bottom 4.0% in tier
Non-Interest-Bearing Deposit Share ?	12.76% -3.6% YoY +13.7% QoQ	-9.27%	22.03% -0.6% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	17%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.67%	0.67% +16.4% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	17.27% +2.3% YoY +3.9% QoQ	+1.36%	15.91% +1.4% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	78%
Non-Interest Income / Assets ?	0.12% +4.5% YoY +118.8% QoQ	-0.45%	0.57% +7.6% YoY	2.21% +12.7% YoY	0.66% +5.2% YoY	24%

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	12.8% -0.5pp YoY +1.5pp QoQ	-9.4pp	22.1%	18.9%	22.2%	16%
Brokered Deposits	6.1% -0.6pp YoY -0.1pp QoQ	-1.8pp	7.9%	9.2%	8.5%	59%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
C&I	2.1% +0.2pp YoY 0.0pp QoQ	-9.5pp	11.6%	10.5%	12.5%	7%
CRE	29.8% +1.0pp YoY -1.3pp QoQ	-9.8pp	39.5%	46.4%	41.4%	34%
1-4 Family	31.1% -3.2pp YoY -0.7pp QoQ	-1.5pp	32.6%	32.3%	31.3%	54%
Consumer	0.6% 0.0pp YoY 0.0pp QoQ	-3.6pp	4.1%	2.6%	5.0%	17%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	15.5%	19.7%	n/a
Leverage Ratio	17.3% +0.4pp YoY +0.6pp QoQ	+5.1pp	12.2%	12.6%	12.6%	93%
Total Capital Ratio	n/a	n/a	19.9%	16.6%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Full-Time Employees	30 +1 (+3.4%) YoY -1 (-3.2%) QoQ	-29	58	134	482	26%
Assets per Employee ($)	$10.9M +4.5% YoY +2.5% QoQ	+$3.4M	$7.5M	$8.2M	$8.8M	90%
Branch Count	2 0 YoY 0 QoQ	-3	4	9	18	11%

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	n/a	n/a	0.9%	0.9%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	56.89x	20.23x	n/a
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.0%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
ROE	12.9% +2.1pp YoY +0.3pp QoQ	+0.8pp	12.2%	11.8%	11.6%	56%
Cost of Funds (YTD)	2.4% -0.1pp YoY 0.0pp QoQ	+0.6pp	1.7%	1.8%	1.7%	86%
Net Income ($, YTD)	$3.5M +30.7% YoY — QoQ	+$983K	$2.6M	$7.9M	$40.4M	76%

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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

#184 of 661 • Top 27.7% in tier

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

Why this signature

Return on Assets: 2.14%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk

#137 of 742 • Bottom 18.3% 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: 17.27%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 108.17%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 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 (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

Efficiency Ratio

profitability

Value: 39.69%

Peer Median: 64.48%

#99 of 2643 Top 3.7% in $100M-$1B

266

Return on Assets

profitability

Value: 2.14%

Peer Median: 1.32%

#266 of 2643 Top 10.0% in $100M-$1B

582

Tier 1 Capital Ratio

capital

Value: 17.27%

Peer Median: 15.91%

#582 of 2643 Top 22.0% in $100M-$1B

Top Weaknesses (3 metrics)

2538

Loan-to-Deposit Ratio

liquidity

Value: 108.17%

Peer Median: 77.95%

#2538 of 2643 Bottom 4.0% in $100M-$1B

2206

Non-Interest-Bearing Deposit Share

funding

Value: 12.76%

Peer Median: 22.03%

#2206 of 2643 Bottom 16.6% in $100M-$1B

2000

Non-Interest Income / Assets

revenue_mix

Value: 0.12%

Peer Median: 0.57%

#2000 of 2643 Bottom 24.4% in $100M-$1B