BlastPoint's Banking Scorecard
Ixonia Bank
Community
Specialty: Commercial
WI
FDIC cert 12514
Ixonia, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
Ixonia Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 12% in Community
- + Net Interest Margin 4.39% above tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 65% in Community
- - Loan-to-Deposit Ratio 37.45% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$951.2M
+17.3% YoY
+4.0% QoQ
|
-$440.2M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
46% |
| Total Loans ? |
$730.6M
+23.1% YoY
+6.2% QoQ
|
-$244.9M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
52% |
| Total Deposits ? |
$606.2M
+11.2% YoY
+3.2% QoQ
|
-$558.4M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
29% |
| Return on Assets ? |
1.51%
+12.2% YoY
-10.1% QoQ
|
+0.35% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
74% |
| Net Interest Margin ? |
8.06%
-0.8% YoY
-1.8% QoQ
|
+4.39% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
87.02%
-0.6% YoY
+1.3% QoQ
|
+24.39% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? |
0.56%
+167.3% YoY
|
-0.07% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
120.51%
+10.7% YoY
+3.0% QoQ
|
+37.45% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.28%
-2.3% YoY
-9.0% QoQ
|
-6.77% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.43%
+125.4% YoY
|
-0.07% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
43% |
| Tier 1 Capital Ratio ? |
12.40%
-4.9% YoY
-0.4% QoQ
|
+2.16% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
8.61%
+8.2% YoY
+28.1% QoQ
|
+7.87% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#44 of 371 · Top 12% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
8.61%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.51%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
Net Interest Margin
metric
Top 1%
in Community
Why this stands out
Current:
8.06%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (2)
Efficiency Drag
risk
#99 of 152 · Bottom 65% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
87.02%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Loan-to-Deposit Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
120.51%
(Tier avg: 83.06%, National avg: 78.04%)
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
100
100th pctile
Net Interest Margin
Current: 8.06% · Tier avg: 3.66%
100
100th pctile
Non-Interest Income / Assets
Current: 8.61% · Tier avg: 0.74%
74
74th pctile
Return on Assets
Current: 1.51% · Tier avg: 1.16%
52
52th pctile
Total Loans
Current: $730.6M · Tier avg: $975.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 12.40% · Tier avg: 10.24%
46
46th pctile
Total Assets
Current: $951.2M · Tier avg: $1.4B
43
43th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.50%
43
43th pctile
Delinquency Rate
Current: 0.56% · Tier avg: 0.63%
29
29th pctile
Total Deposits
Current: $606.2M · Tier avg: $1.2B
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 14.28% · Tier avg: 21.05%
5
5th pctile
Efficiency Ratio
Current: 87.02% · Tier avg: 62.63%
1
1th pctile
Loan-to-Deposit Ratio
Current: 120.51% · Tier avg: 83.06%
Top Weaknesses
1
1th pctile
Loan-to-Deposit Ratio
Current: 120.51% · Tier avg: 83.06%
5
5th pctile
Efficiency Ratio
Current: 87.02% · Tier avg: 62.63%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 14.28% · Tier avg: 21.05%
29
29th pctile
Total Deposits
Current: $606.2M · Tier avg: $1.2B
43
43th pctile
Delinquency Rate
Current: 0.56% · Tier avg: 0.63%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.50%
46
46th pctile
Total Assets
Current: $951.2M · Tier avg: $1.4B
51
51th pctile
Tier 1 Capital Ratio
Current: 12.40% · Tier avg: 10.24%
52
52th pctile
Total Loans
Current: $730.6M · Tier avg: $975.5M
74
74th pctile
Return on Assets
Current: 1.51% · Tier avg: 1.16%
100
100th pctile
Non-Interest Income / Assets
Current: 8.61% · Tier avg: 0.74%
100
100th pctile
Net Interest Margin
Current: 8.06% · Tier avg: 3.66%