BlastPoint's Banking Scorecard
Bank of Mauston
Micro
Specialty: Commercial
WI
FDIC cert 12327
Designations: ✓ Community bank
Mauston, WI
2498
banks in Micro tier nationally
88 in WI
View Micro leaderboard (WI) →
Bank of Mauston shows strong momentum with 3 strengths and 5.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.46% above tier
- + Efficiency Ratio 25.97% below tier
- + Non-Interest Income / Assets 0.47% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$427.0M
+5.6% YoY
+5.7% QoQ
|
+$209.5M |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
Top 8% in tier |
| Total Loans ? |
$245.6M
+6.2% YoY
+4.1% QoQ
|
+$106.4M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
84% |
| Total Deposits ? |
$370.9M
+5.3% YoY
+6.9% QoQ
|
+$187.2M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
Top 7% in tier |
| Return on Assets ? |
2.54%
+42.1% YoY
+3.1% QoQ
|
+1.46% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
Top 3% in tier |
| Net Interest Margin ? |
3.37%
+18.7% YoY
-4.1% QoQ
|
-0.48% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
28% |
| Efficiency Ratio ? |
41.75%
-15.2% YoY
-0.8% QoQ
|
-25.97% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Top 3% in tier |
| Delinquency Rate ? |
0.01%
+841.2% YoY
+92.1% QoQ
|
-0.63% |
0.64%
+24.4% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
66.22%
+0.9% YoY
-2.6% QoQ
|
-8.30% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
12.96%
+7.8% YoY
+9.5% QoQ
|
-9.43% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.01%
+846.6% YoY
+89.2% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
82% |
| 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 ? |
1.04%
+30.1% YoY
+64.6% QoQ
|
+0.47% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 3%
in Micro
Why this stands out
Current:
2.54%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
41.75%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest Income / Assets
metric
Top 7%
in Micro
Why this stands out
Current:
1.04%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
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
97
97th pctile
Efficiency Ratio
Current: 41.75% · Tier avg: 67.73%
97
97th pctile
Return on Assets
Current: 2.54% · Tier avg: 1.08%
93
93th pctile
Total Deposits
Current: $370.9M · Tier avg: $183.7M
93
93th pctile
Non-Interest Income / Assets
Current: 1.04% · Tier avg: 0.56%
92
92th pctile
Total Assets
Current: $427.0M · Tier avg: $217.5M
84
84th pctile
Total Loans
Current: $245.6M · Tier avg: $139.2M
82
82th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
81
81th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.64%
67
67th pctile
Loan-to-Deposit Ratio
Current: 66.22% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
28
28th pctile
Net Interest Margin
Current: 3.37% · Tier avg: 3.85%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 12.96% · Tier avg: 22.39%
Top Weaknesses
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 12.96% · Tier avg: 22.39%
28
28th pctile
Net Interest Margin
Current: 3.37% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
67
67th pctile
Loan-to-Deposit Ratio
Current: 66.22% · Tier avg: 74.53%
81
81th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.64%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
84
84th pctile
Total Loans
Current: $245.6M · Tier avg: $139.2M
92
92th pctile
Total Assets
Current: $427.0M · Tier avg: $217.5M
93
93th pctile
Non-Interest Income / Assets
Current: 1.04% · Tier avg: 0.56%
93
93th pctile
Total Deposits
Current: $370.9M · Tier avg: $183.7M
97
97th pctile
Return on Assets
Current: 2.54% · Tier avg: 1.08%
97
97th pctile
Efficiency Ratio
Current: 41.75% · Tier avg: 67.73%