BlastPoint's Banking Scorecard
Bank of Prairie du Sac
Community
Specialty: Commercial
WI
FDIC cert 14660
Prairie Du Sac, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
Bank of Prairie du Sac has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 17.38% below tier
- + Delinquency Rate 0.62% below tier
- + Loan-to-Deposit Ratio 26.12% below tier
- + Nonperforming Asset Ratio 0.49% below tier
- + Tier 1 Capital Ratio 11.26% above tier
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 73% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$760.5M
+19.6% YoY
+10.1% QoQ
|
-$631.0M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
32% |
| Total Loans ? |
$376.1M
+4.4% YoY
+1.5% QoQ
|
-$599.4M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 12% in tier |
| Total Deposits ? |
$660.5M
+20.3% YoY
+11.4% QoQ
|
-$504.1M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
34% |
| Return on Assets ? |
1.46%
+3.8% YoY
-6.9% QoQ
|
+0.30% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
72% |
| Net Interest Margin ? |
3.04%
+2.4% YoY
-1.6% QoQ
|
-0.62% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
19% |
| Efficiency Ratio ? |
45.25%
-3.1% YoY
+7.4% QoQ
|
-17.38% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| Delinquency Rate ? |
0.01%
-53.6% YoY
-86.7% QoQ
|
-0.62% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Top 6% in tier |
| Loan-to-Deposit Ratio ? |
56.95%
-13.2% YoY
-8.9% QoQ
|
-26.12% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Top 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.63%
-13.2% YoY
-0.1% QoQ
|
-6.41% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.00%
-59.5% YoY
-87.7% QoQ
|
-0.49% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
Top 5% in tier |
| Tier 1 Capital Ratio ? |
21.50%
+1.8% YoY
-1.0% QoQ
|
+11.26% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
Top 5% in tier |
| Non-Interest Income / Assets ? |
0.23%
-15.5% YoY
+16.6% QoQ
|
-0.51% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 15% in tier |
Signature Analysis
Strengths (5)
Efficiency Ratio
metric
Top 9%
in Community
Why this stands out
Current:
45.25%
(Tier avg: 62.63%, National avg: 65.09%)
Delinquency Rate
metric
Top 6%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.63%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 6%
in Community
Why this stands out
Current:
56.95%
(Tier avg: 83.06%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 5%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 5%
in Community
Why this stands out
Current:
21.50%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (1)
NIB Deposit Bleed
decline
#65 of 89 · Bottom 73% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
14.63%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
|
QoQ rank improving
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
95
95th pctile
Tier 1 Capital Ratio
Current: 21.50% · Tier avg: 10.24%
95
95th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
94
94th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%
94
94th pctile
Loan-to-Deposit Ratio
Current: 56.95% · Tier avg: 83.06%
91
91th pctile
Efficiency Ratio
Current: 45.25% · Tier avg: 62.63%
72
72th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.16%
34
34th pctile
Total Deposits
Current: $660.5M · Tier avg: $1.2B
32
32th pctile
Total Assets
Current: $760.5M · Tier avg: $1.4B
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 14.63% · Tier avg: 21.05%
19
19th pctile
Net Interest Margin
Current: 3.04% · Tier avg: 3.66%
15
15th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.74%
12
12th pctile
Total Loans
Current: $376.1M · Tier avg: $975.5M
Top Weaknesses
12
12th pctile
Total Loans
Current: $376.1M · Tier avg: $975.5M
15
15th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.74%
19
19th pctile
Net Interest Margin
Current: 3.04% · Tier avg: 3.66%
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 14.63% · Tier avg: 21.05%
32
32th pctile
Total Assets
Current: $760.5M · Tier avg: $1.4B
34
34th pctile
Total Deposits
Current: $660.5M · Tier avg: $1.2B
72
72th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.16%
91
91th pctile
Efficiency Ratio
Current: 45.25% · Tier avg: 62.63%
94
94th pctile
Loan-to-Deposit Ratio
Current: 56.95% · Tier avg: 83.06%
94
94th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%
95
95th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
95
95th pctile
Tier 1 Capital Ratio
Current: 21.50% · Tier avg: 10.24%