BlastPoint's Banking Scorecard
National Bank of Commerce
Community
Specialty: Commercial
WI
FDIC cert 14266
Superior, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
National Bank of Commerce demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 6% in Community
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 ? |
$2.2B
+4.3% YoY
-0.9% QoQ
|
+$817.3M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
83% |
| Total Loans ? |
$1.6B
+2.5% YoY
+0.3% QoQ
|
+$674.4M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
84% |
| Total Deposits ? |
$1.8B
+0.9% YoY
-1.3% QoQ
|
+$682.0M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
83% |
| Return on Assets ? |
1.85%
+72.1% YoY
+2.5% QoQ
|
+0.68% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
Top 12% in tier |
| Net Interest Margin ? |
4.21%
+25.7% YoY
+1.7% QoQ
|
+0.54% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
78% |
| Efficiency Ratio ? |
51.44%
-11.5% YoY
-0.4% QoQ
|
-11.19% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
81% |
| Delinquency Rate ? |
0.47%
-25.4% YoY
-44.8% QoQ
|
-0.16% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
89.35%
+1.6% YoY
+1.6% QoQ
|
+6.28% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
18.38%
-9.6% YoY
+0.6% QoQ
|
-2.67% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
41% |
| Nonperforming Asset Ratio ? |
0.38%
-21.8% YoY
-39.7% QoQ
|
-0.12% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
47% |
| Tier 1 Capital Ratio ? |
10.70%
+6.3% YoY
+1.2% QoQ
|
+0.46% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.46%
+86.6% YoY
+33.9% QoQ
|
-0.28% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
43% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#25 of 371 · Top 6% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.85%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
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
88
88th pctile
Return on Assets
Current: 1.85% · Tier avg: 1.16%
84
84th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
83
83th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
83
83th pctile
Total Assets
Current: $2.2B · Tier avg: $1.4B
81
81th pctile
Efficiency Ratio
Current: 51.44% · Tier avg: 62.63%
78
78th pctile
Net Interest Margin
Current: 4.21% · Tier avg: 3.66%
64
64th pctile
Loan-to-Deposit Ratio
Current: 89.35% · Tier avg: 83.06%
48
48th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.63%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.50%
43
43th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.74%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 18.38% · Tier avg: 21.05%
34
34th pctile
Tier 1 Capital Ratio
Current: 10.70% · Tier avg: 10.24%
Top Weaknesses
34
34th pctile
Tier 1 Capital Ratio
Current: 10.70% · Tier avg: 10.24%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 18.38% · Tier avg: 21.05%
43
43th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.74%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.50%
48
48th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.63%
64
64th pctile
Loan-to-Deposit Ratio
Current: 89.35% · Tier avg: 83.06%
78
78th pctile
Net Interest Margin
Current: 4.21% · Tier avg: 3.66%
81
81th pctile
Efficiency Ratio
Current: 51.44% · Tier avg: 62.63%
83
83th pctile
Total Assets
Current: $2.2B · Tier avg: $1.4B
83
83th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
84
84th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
88
88th pctile
Return on Assets
Current: 1.85% · Tier avg: 1.16%