BlastPoint's Banking Scorecard
Clare Bank, National Association
Micro
Specialty: Agricultural
WI
FDIC cert 1022
Designations: ✓ Community bank
Platteville, WI
2498
banks in Micro tier nationally
88 in WI
View Micro leaderboard (WI) →
Clare Bank, National Association has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 15.62% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.73% below tier
- - Non-Interest Income / Assets 0.47% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$349.3M
+6.9% YoY
+9.2% QoQ
|
+$131.8M |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
80% |
| Total Loans ? |
$171.1M
+9.5% YoY
+5.9% QoQ
|
+$32.0M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
67% |
| Total Deposits ? |
$289.7M
+4.0% YoY
+10.2% QoQ
|
+$106.1M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
80% |
| Return on Assets ? |
0.74%
+454.5% YoY
+5.7% QoQ
|
-0.34% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
30% |
| Net Interest Margin ? |
2.12%
+43.6% YoY
+2.9% QoQ
|
-1.73% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? |
63.69%
-30.5% YoY
-3.7% QoQ
|
-4.04% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
56% |
| Delinquency Rate ? |
0.69%
+11.8% YoY
+13.0% QoQ
|
+0.05% |
0.64%
+24.4% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
59.07%
+5.3% YoY
-3.9% QoQ
|
-15.46% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
20.36%
-2.0% YoY
-0.1% QoQ
|
-2.03% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
44% |
| Nonperforming Asset Ratio ? |
0.34%
+14.5% YoY
+9.5% QoQ
|
-0.11% |
0.45%
+25.1% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
47% |
| Tier 1 Capital Ratio ? |
24.47%
-6.0% YoY
|
+15.62% |
8.85%
-3.4% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
Top 8% in tier |
| Non-Interest Income / Assets ? |
0.09%
-17.4% YoY
+19.4% QoQ
|
-0.47% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 6% in tier |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
24.47%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (2)
Net Interest Margin
metric
Bottom 3%
in Micro
Why this stands out
Current:
2.12%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
0.09%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Tier 1 Capital Ratio
Current: 24.47% · Tier avg: 8.85%
80
80th pctile
Total Assets
Current: $349.3M · Tier avg: $217.5M
80
80th pctile
Total Deposits
Current: $289.7M · Tier avg: $183.7M
77
77th pctile
Loan-to-Deposit Ratio
Current: 59.07% · Tier avg: 74.53%
67
67th pctile
Total Loans
Current: $171.1M · Tier avg: $139.2M
56
56th pctile
Efficiency Ratio
Current: 63.69% · Tier avg: 67.73%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.34% · Tier avg: 0.45%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 20.36% · Tier avg: 22.39%
38
38th pctile
Delinquency Rate
Current: 0.69% · Tier avg: 0.64%
30
30th pctile
Return on Assets
Current: 0.74% · Tier avg: 1.08%
6
6th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
3
3th pctile
Net Interest Margin
Current: 2.12% · Tier avg: 3.85%
Top Weaknesses
3
3th pctile
Net Interest Margin
Current: 2.12% · Tier avg: 3.85%
6
6th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
30
30th pctile
Return on Assets
Current: 0.74% · Tier avg: 1.08%
38
38th pctile
Delinquency Rate
Current: 0.69% · Tier avg: 0.64%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 20.36% · Tier avg: 22.39%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.34% · Tier avg: 0.45%
56
56th pctile
Efficiency Ratio
Current: 63.69% · Tier avg: 67.73%
67
67th pctile
Total Loans
Current: $171.1M · Tier avg: $139.2M
77
77th pctile
Loan-to-Deposit Ratio
Current: 59.07% · Tier avg: 74.53%
80
80th pctile
Total Deposits
Current: $289.7M · Tier avg: $183.7M
80
80th pctile
Total Assets
Current: $349.3M · Tier avg: $217.5M
92
92th pctile
Tier 1 Capital Ratio
Current: 24.47% · Tier avg: 8.85%