BlastPoint's Banking Scorecard
Bank of Sun Prairie
Community
Specialty: Commercial
WI
FDIC cert 13565
Sun Prairie, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
Bank of Sun Prairie has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 21% in Community
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 3% in Community
- - Credit Quality Pressure: Bottom 7% in Community
- - Deposit Outflow: Bottom 15% in Community
- - Capital Constraint: Bottom 35% in Community
- - Net Interest Margin 1.16% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$726.5M
-2.1% YoY
-0.3% QoQ
|
-$665.0M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
29% |
| Total Loans ? |
$580.1M
-5.9% YoY
-4.1% QoQ
|
-$395.4M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
39% |
| Total Deposits ? |
$608.3M
-6.8% YoY
+0.7% QoQ
|
-$556.3M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
29% |
| Return on Assets ? |
0.49%
+64.2% YoY
+11.6% QoQ
|
-0.68% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 10% in tier |
| Net Interest Margin ? |
2.50%
+20.4% YoY
+3.5% QoQ
|
-1.16% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
79.28%
-10.3% YoY
-2.3% QoQ
|
+16.65% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 11% in tier |
| Delinquency Rate ? | 0.05% | -0.58% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Top 12% in tier |
| Loan-to-Deposit Ratio ? |
95.37%
+1.0% YoY
-4.7% QoQ
|
+12.30% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
13.24%
-1.5% YoY
-19.1% QoQ
|
-7.80% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
19% |
| Nonperforming Asset Ratio ? | 0.04% | -0.46% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
Top 12% in tier |
| Tier 1 Capital Ratio ? |
11.75%
-3.3% YoY
-5.9% QoQ
|
+1.51% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
44% |
| Non-Interest Income / Assets ? |
0.40%
+1.7% YoY
+30.5% QoQ
|
-0.34% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
35% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#78 of 371 · Top 21% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.05%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Concerns (5)
Liquidity Strain
risk
#14 of 513 · Bottom 3% 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:
95.37%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Credit Quality Pressure
risk
#59 of 808 · Bottom 7% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.05%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Deposit Outflow
decline
#37 of 248 · Bottom 15% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
Capital Constraint
risk
#17 of 47 · Bottom 35% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
95.37%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
11.75%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Bottom 6%
in Community
Why this stands out
Current:
2.50%
(Tier avg: 3.66%, National avg: 3.75%)
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
88
88th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.63%
88
88th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.50%
44
44th pctile
Tier 1 Capital Ratio
Current: 11.75% · Tier avg: 10.24%
39
39th pctile
Total Loans
Current: $580.1M · Tier avg: $975.5M
35
35th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.74%
29
29th pctile
Total Assets
Current: $726.5M · Tier avg: $1.4B
29
29th pctile
Total Deposits
Current: $608.3M · Tier avg: $1.2B
22
22th pctile
Loan-to-Deposit Ratio
Current: 95.37% · Tier avg: 83.06%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.24% · Tier avg: 21.05%
11
11th pctile
Efficiency Ratio
Current: 79.28% · Tier avg: 62.63%
10
10th pctile
Return on Assets
Current: 0.49% · Tier avg: 1.16%
6
6th pctile
Net Interest Margin
Current: 2.50% · Tier avg: 3.66%
Top Weaknesses
6
6th pctile
Net Interest Margin
Current: 2.50% · Tier avg: 3.66%
10
10th pctile
Return on Assets
Current: 0.49% · Tier avg: 1.16%
11
11th pctile
Efficiency Ratio
Current: 79.28% · Tier avg: 62.63%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.24% · Tier avg: 21.05%
22
22th pctile
Loan-to-Deposit Ratio
Current: 95.37% · Tier avg: 83.06%
29
29th pctile
Total Deposits
Current: $608.3M · Tier avg: $1.2B
29
29th pctile
Total Assets
Current: $726.5M · Tier avg: $1.4B
35
35th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.74%
39
39th pctile
Total Loans
Current: $580.1M · Tier avg: $975.5M
44
44th pctile
Tier 1 Capital Ratio
Current: 11.75% · Tier avg: 10.24%
88
88th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.50%
88
88th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.63%