BlastPoint's Banking Scorecard
Baraboo State Bank
Community
Specialty: Commercial
WI
FDIC cert 12788
Baraboo, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
Baraboo State Bank shows strong momentum with 3 strengths and 6.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 47% in Community
- + Loan-to-Deposit Ratio 24.89% below tier
- + Nonperforming Asset Ratio 0.49% below 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 ? |
$587.5M
+6.9% YoY
+3.1% QoQ
|
-$804.0M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
Bottom 13% in tier |
| Total Loans ? |
$296.6M
+12.9% YoY
+6.5% QoQ
|
-$678.8M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 5% in tier |
| Total Deposits ? |
$509.9M
+8.1% YoY
+3.2% QoQ
|
-$654.7M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
Bottom 15% in tier |
| Return on Assets ? |
0.97%
+1.7% YoY
-10.5% QoQ
|
-0.20% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
36% |
| Net Interest Margin ? |
3.38%
+1.8% YoY
-0.2% QoQ
|
-0.28% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
35% |
| Efficiency Ratio ? |
65.51%
-5.4% YoY
+2.5% QoQ
|
+2.88% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
39% |
| Delinquency Rate ? |
0.02%
-18.2% YoY
-12.0% QoQ
|
-0.61% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Top 8% in tier |
| Loan-to-Deposit Ratio ? |
58.18%
+4.5% YoY
+3.2% QoQ
|
-24.89% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.62%
-1.0% YoY
-6.6% QoQ
|
+0.57% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.01%
-13.6% YoY
-9.1% QoQ
|
-0.49% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
Top 6% in tier |
| Tier 1 Capital Ratio ? |
18.41%
-1.3% YoY
-3.2% QoQ
|
+8.17% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
Top 10% in tier |
| Non-Interest Income / Assets ? |
0.53%
+0.2% YoY
+30.1% QoQ
|
-0.21% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
52% |
Signature Analysis
Strengths (3)
Credit Quality Leader
growth
#176 of 371 · Top 47% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.02%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Loan-to-Deposit Ratio
metric
Top 7%
in Community
Why this stands out
Current:
58.18%
(Tier avg: 83.06%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 6%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.50%, National avg: 0.48%)
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
94
94th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
93
93th pctile
Loan-to-Deposit Ratio
Current: 58.18% · Tier avg: 83.06%
92
92th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%
90
90th pctile
Tier 1 Capital Ratio
Current: 18.41% · Tier avg: 10.24%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 21.62% · Tier avg: 21.05%
52
52th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.74%
39
39th pctile
Efficiency Ratio
Current: 65.51% · Tier avg: 62.63%
36
36th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.16%
35
35th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.66%
15
15th pctile
Total Deposits
Current: $509.9M · Tier avg: $1.2B
13
13th pctile
Total Assets
Current: $587.5M · Tier avg: $1.4B
5
5th pctile
Total Loans
Current: $296.6M · Tier avg: $975.5M
Top Weaknesses
5
5th pctile
Total Loans
Current: $296.6M · Tier avg: $975.5M
13
13th pctile
Total Assets
Current: $587.5M · Tier avg: $1.4B
15
15th pctile
Total Deposits
Current: $509.9M · Tier avg: $1.2B
35
35th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.66%
36
36th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.16%
39
39th pctile
Efficiency Ratio
Current: 65.51% · Tier avg: 62.63%
52
52th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.74%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 21.62% · Tier avg: 21.05%
90
90th pctile
Tier 1 Capital Ratio
Current: 18.41% · Tier avg: 10.24%
92
92th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%
93
93th pctile
Loan-to-Deposit Ratio
Current: 58.18% · Tier avg: 83.06%
94
94th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%