BlastPoint's Banking Scorecard
Bank Cmg
Community
Specialty: Commercial
WI
FDIC cert 11623
Madison, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
Bank Cmg has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 30% in Community
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 14% in Community
- - Return on Assets 1.27% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$894.9M
+39.6% YoY
+7.9% QoQ
|
-$496.5M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
43% |
| Total Loans ? |
$595.8M
+21.8% YoY
-3.9% QoQ
|
-$379.7M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
40% |
| Total Deposits ? |
$773.7M
+39.2% YoY
+8.1% QoQ
|
-$390.9M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
44% |
| Return on Assets ? |
-0.11%
-124.8% YoY
+69.4% QoQ
|
-1.27% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 2% in tier |
| Net Interest Margin ? |
3.84%
+1.7% YoY
+2.8% QoQ
|
+0.18% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
62% |
| Efficiency Ratio ? |
101.01%
+20.0% YoY
-6.8% QoQ
|
+38.38% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
0.16%
-30.4% YoY
-59.7% QoQ
|
-0.47% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
77.00%
-12.5% YoY
-11.2% QoQ
|
-6.06% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
16.31%
-10.5% YoY
-34.6% QoQ
|
-4.74% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
31% |
| Nonperforming Asset Ratio ? |
0.11%
-54.9% YoY
-64.1% QoQ
|
-0.39% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
77% |
| Tier 1 Capital Ratio ? |
12.90%
+17.7% YoY
+1.6% QoQ
|
+2.65% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.36%
-39.9% YoY
+16.0% QoQ
|
-0.38% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
31% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#111 of 371 · Top 30% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.16%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
Concerns (2)
Efficiency Drag
risk
#22 of 152 · Bottom 14% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
101.01%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 2%
in Community
Why this stands out
Current:
-0.11%
(Tier avg: 1.16%, National avg: 1.12%)
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
77
77th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
75
75th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%
62
62th pctile
Net Interest Margin
Current: 3.84% · Tier avg: 3.66%
57
57th pctile
Tier 1 Capital Ratio
Current: 12.90% · Tier avg: 10.24%
44
44th pctile
Total Deposits
Current: $773.7M · Tier avg: $1.2B
43
43th pctile
Total Assets
Current: $894.9M · Tier avg: $1.4B
40
40th pctile
Total Loans
Current: $595.8M · Tier avg: $975.5M
32
32th pctile
Loan-to-Deposit Ratio
Current: 77.00% · Tier avg: 83.06%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 16.31% · Tier avg: 21.05%
31
31th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.74%
2
2th pctile
Return on Assets
Current: -0.11% · Tier avg: 1.16%
1
1th pctile
Efficiency Ratio
Current: 101.01% · Tier avg: 62.63%
Top Weaknesses
1
1th pctile
Efficiency Ratio
Current: 101.01% · Tier avg: 62.63%
2
2th pctile
Return on Assets
Current: -0.11% · Tier avg: 1.16%
31
31th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.74%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 16.31% · Tier avg: 21.05%
32
32th pctile
Loan-to-Deposit Ratio
Current: 77.00% · Tier avg: 83.06%
40
40th pctile
Total Loans
Current: $595.8M · Tier avg: $975.5M
43
43th pctile
Total Assets
Current: $894.9M · Tier avg: $1.4B
44
44th pctile
Total Deposits
Current: $773.7M · Tier avg: $1.2B
57
57th pctile
Tier 1 Capital Ratio
Current: 12.90% · Tier avg: 10.24%
62
62th pctile
Net Interest Margin
Current: 3.84% · Tier avg: 3.66%
75
75th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%