BlastPoint's Banking Scorecard
Bank of Milton
Micro
Specialty: Commercial
WI
FDIC cert 11232
Designations: ✓ Community bank
Milton, WI
2498
banks in Micro tier nationally
88 in WI
View Micro leaderboard (WI) →
Bank of Milton has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 20.66% below tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.76% above tier
- - Nonperforming Asset Ratio 1.28% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$233.0M
+12.6% YoY
+4.1% QoQ
|
+$15.6M |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
58% |
| Total Loans ? |
$167.7M
+18.3% YoY
+1.8% QoQ
|
+$28.5M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
66% |
| Total Deposits ? |
$199.5M
+6.5% YoY
+5.8% QoQ
|
+$15.8M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
59% |
| Return on Assets ? |
1.47%
-9.0% YoY
-14.4% QoQ
|
+0.38% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
74% |
| Net Interest Margin ? |
4.27%
+0.8% YoY
-0.3% QoQ
|
+0.42% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
71% |
| Efficiency Ratio ? |
47.07%
-0.5% YoY
-1.1% QoQ
|
-20.66% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? | 2.40% | +1.76% |
0.64%
+24.4% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 10% in tier |
| Loan-to-Deposit Ratio ? |
84.06%
+11.0% YoY
-3.8% QoQ
|
+9.53% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
17.54%
-3.7% YoY
+0.8% QoQ
|
-4.86% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
32% |
| Nonperforming Asset Ratio ? |
1.73%
+601.3% YoY
|
+1.28% |
0.45%
+25.1% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
Bottom 9% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.31%
-8.0% YoY
+35.9% QoQ
|
-0.25% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
42% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
47.07%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (2)
Delinquency Rate
metric
Bottom 10%
in Micro
Why this stands out
Current:
2.40%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
1.73%
(Tier avg: 0.45%, National avg: 0.48%)
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
93
93th pctile
Efficiency Ratio
Current: 47.07% · Tier avg: 67.73%
74
74th pctile
Return on Assets
Current: 1.47% · Tier avg: 1.08%
71
71th pctile
Net Interest Margin
Current: 4.27% · Tier avg: 3.85%
66
66th pctile
Total Loans
Current: $167.7M · Tier avg: $139.2M
59
59th pctile
Total Deposits
Current: $199.5M · Tier avg: $183.7M
58
58th pctile
Total Assets
Current: $233.0M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
42
42th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
34
34th pctile
Loan-to-Deposit Ratio
Current: 84.06% · Tier avg: 74.53%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 17.54% · Tier avg: 22.39%
10
10th pctile
Delinquency Rate
Current: 2.40% · Tier avg: 0.64%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.73% · Tier avg: 0.45%
Top Weaknesses
9
9th pctile
Nonperforming Asset Ratio
Current: 1.73% · Tier avg: 0.45%
10
10th pctile
Delinquency Rate
Current: 2.40% · Tier avg: 0.64%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 17.54% · Tier avg: 22.39%
34
34th pctile
Loan-to-Deposit Ratio
Current: 84.06% · Tier avg: 74.53%
42
42th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
58
58th pctile
Total Assets
Current: $233.0M · Tier avg: $217.5M
59
59th pctile
Total Deposits
Current: $199.5M · Tier avg: $183.7M
66
66th pctile
Total Loans
Current: $167.7M · Tier avg: $139.2M
71
71th pctile
Net Interest Margin
Current: 4.27% · Tier avg: 3.85%
74
74th pctile
Return on Assets
Current: 1.47% · Tier avg: 1.08%
93
93th pctile
Efficiency Ratio
Current: 47.07% · Tier avg: 67.73%