BlastPoint's Banking Scorecard
State Bank Financial
Community
Specialty: Commercial
WI
FDIC cert 10383
La Crosse, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
State Bank Financial faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 18.86% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$519.8M
+7.7% YoY
+0.4% QoQ
|
-$871.6M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
Bottom 3% in tier |
| Total Loans ? |
$325.9M
+12.5% YoY
+1.2% QoQ
|
-$649.6M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$406.7M
+8.1% YoY
-7.5% QoQ
|
-$757.9M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
1.21%
+17.9% YoY
+11.8% QoQ
|
+0.04% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
56% |
| Net Interest Margin ? |
3.03%
+7.6% YoY
+2.5% QoQ
|
-0.63% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
19% |
| Efficiency Ratio ? |
63.54%
-4.6% YoY
-2.0% QoQ
|
+0.91% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
46% |
| Delinquency Rate ? |
0.12%
-65.5% YoY
-45.2% QoQ
|
-0.51% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
80.14%
+4.0% YoY
+9.3% QoQ
|
-2.92% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
2.18%
+75.7% YoY
-22.3% QoQ
|
-18.86% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.07%
-63.9% YoY
-44.8% QoQ
|
-0.43% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
83% |
| Tier 1 Capital Ratio ? |
13.80%
+2.2% YoY
+1.1% QoQ
|
+3.56% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.43%
-5.6% YoY
+37.7% QoQ
|
-0.31% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
39% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Community
Why this stands out
Current:
2.18%
(Tier avg: 21.05%, National avg: 21.79%)
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
83
83th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
80
80th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.63%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.80% · Tier avg: 10.24%
62
62th pctile
Loan-to-Deposit Ratio
Current: 80.14% · Tier avg: 83.06%
56
56th pctile
Return on Assets
Current: 1.21% · Tier avg: 1.16%
46
46th pctile
Efficiency Ratio
Current: 63.54% · Tier avg: 62.63%
39
39th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
19
19th pctile
Net Interest Margin
Current: 3.03% · Tier avg: 3.66%
6
6th pctile
Total Loans
Current: $325.9M · Tier avg: $975.5M
3
3th pctile
Total Assets
Current: $519.8M · Tier avg: $1.4B
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 2.18% · Tier avg: 21.05%
1
1th pctile
Total Deposits
Current: $406.7M · Tier avg: $1.2B
Top Weaknesses
1
1th pctile
Total Deposits
Current: $406.7M · Tier avg: $1.2B
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 2.18% · Tier avg: 21.05%
3
3th pctile
Total Assets
Current: $519.8M · Tier avg: $1.4B
6
6th pctile
Total Loans
Current: $325.9M · Tier avg: $975.5M
19
19th pctile
Net Interest Margin
Current: 3.03% · Tier avg: 3.66%
39
39th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
46
46th pctile
Efficiency Ratio
Current: 63.54% · Tier avg: 62.63%
56
56th pctile
Return on Assets
Current: 1.21% · Tier avg: 1.16%
62
62th pctile
Loan-to-Deposit Ratio
Current: 80.14% · Tier avg: 83.06%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.80% · Tier avg: 10.24%
80
80th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.63%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%