BlastPoint's Banking Scorecard
State Bank of Chilton
Community
Specialty: Commercial
WI
FDIC cert 12331
Chilton, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
State Bank of Chilton has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 11% in Community
- + Efficiency Ratio 21.33% below tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 17% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$505.7M
+6.2% YoY
+2.5% QoQ
|
-$885.8M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$394.2M
+3.0% YoY
+1.9% QoQ
|
-$581.3M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 14% in tier |
| Total Deposits ? |
$423.1M
+4.2% YoY
+1.6% QoQ
|
-$741.5M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
Bottom 2% in tier |
| Return on Assets ? |
2.59%
+15.8% YoY
-5.1% QoQ
|
+1.42% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
Top 2% in tier |
| Net Interest Margin ? |
4.40%
+9.9% YoY
+0.9% QoQ
|
+0.74% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
84% |
| Efficiency Ratio ? |
41.30%
-3.4% YoY
+8.3% QoQ
|
-21.33% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Top 5% in tier |
| Delinquency Rate ? |
0.28%
-8.1% YoY
+49.7% QoQ
|
-0.35% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
93.18%
-1.1% YoY
+0.3% QoQ
|
+10.11% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
23.93%
-13.2% YoY
+2.3% QoQ
|
+2.89% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.21%
-17.4% YoY
+48.9% QoQ
|
-0.28% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
63% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.20%
+157.7% YoY
+18.5% QoQ
|
-0.54% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 11% in tier |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#42 of 371 · Top 11% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.59%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
Efficiency Ratio
metric
Top 5%
in Community
Why this stands out
Current:
41.30%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (1)
Liquidity Strain
risk
#87 of 513 · Bottom 17% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
93.18%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
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
98
98th pctile
Return on Assets
Current: 2.59% · Tier avg: 1.16%
95
95th pctile
Efficiency Ratio
Current: 41.30% · Tier avg: 62.63%
84
84th pctile
Net Interest Margin
Current: 4.40% · Tier avg: 3.66%
73
73th pctile
Loan-to-Deposit Ratio
Current: 93.18% · Tier avg: 83.06%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 23.93% · Tier avg: 21.05%
63
63th pctile
Delinquency Rate
Current: 0.28% · Tier avg: 0.63%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
14
14th pctile
Total Loans
Current: $394.2M · Tier avg: $975.5M
11
11th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.74%
2
2th pctile
Total Deposits
Current: $423.1M · Tier avg: $1.2B
1
1th pctile
Total Assets
Current: $505.7M · Tier avg: $1.4B
Top Weaknesses
1
1th pctile
Total Assets
Current: $505.7M · Tier avg: $1.4B
2
2th pctile
Total Deposits
Current: $423.1M · Tier avg: $1.2B
11
11th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.74%
14
14th pctile
Total Loans
Current: $394.2M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
63
63th pctile
Delinquency Rate
Current: 0.28% · Tier avg: 0.63%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 23.93% · Tier avg: 21.05%
73
73th pctile
Loan-to-Deposit Ratio
Current: 93.18% · Tier avg: 83.06%
84
84th pctile
Net Interest Margin
Current: 4.40% · Tier avg: 3.66%
95
95th pctile
Efficiency Ratio
Current: 41.30% · Tier avg: 62.63%
98
98th pctile
Return on Assets
Current: 2.59% · Tier avg: 1.16%