BlastPoint's Banking Scorecard
DMB Community Bank
Community
Specialty: Commercial
WI
FDIC cert 14769
Madison, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
DMB Community Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 18% in Community
- - Return on Assets 0.81% below tier
- - Net Interest Margin 2.10% below tier
- - Non-Interest Income / Assets 0.60% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$826.7M
+4.4% YoY
+1.5% QoQ
|
-$564.8M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
37% |
| Total Loans ? |
$665.9M
+1.9% YoY
+4.2% QoQ
|
-$309.5M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
47% |
| Total Deposits ? |
$576.7M
+5.7% YoY
+1.9% QoQ
|
-$587.9M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
25% |
| Return on Assets ? |
0.35%
+26.4% QoQ
|
-0.81% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
1.57%
+63.6% YoY
+6.8% QoQ
|
-2.10% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
74.81%
-38.1% YoY
-5.9% QoQ
|
+12.18% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
18% |
| Delinquency Rate ? | 0.00% | -0.63% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
115.48%
-3.6% YoY
+2.2% QoQ
|
+32.41% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.55%
+1.5% YoY
-3.6% QoQ
|
-10.49% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 11% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.50% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
16.03%
-0.5% YoY
-3.9% QoQ
|
+5.78% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.14%
-11.7% YoY
+23.8% QoQ
|
-0.60% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 6% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (4)
Liquidity Overhang
risk
#48 of 268 · Bottom 18% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
16.03%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
115.48%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Return on Assets
metric
Bottom 7%
in Community
Why this stands out
Current:
0.35%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 1%
in Community
Why this stands out
Current:
1.57%
(Tier avg: 3.66%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Bottom 6%
in Community
Why this stands out
Current:
0.14%
(Tier avg: 0.74%, National avg: 0.65%)
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
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
83
83th pctile
Tier 1 Capital Ratio
Current: 16.03% · Tier avg: 10.24%
47
47th pctile
Total Loans
Current: $665.9M · Tier avg: $975.5M
37
37th pctile
Total Assets
Current: $826.7M · Tier avg: $1.4B
25
25th pctile
Total Deposits
Current: $576.7M · Tier avg: $1.2B
18
18th pctile
Efficiency Ratio
Current: 74.81% · Tier avg: 62.63%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 10.55% · Tier avg: 21.05%
7
7th pctile
Return on Assets
Current: 0.35% · Tier avg: 1.16%
6
6th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.74%
2
2th pctile
Loan-to-Deposit Ratio
Current: 115.48% · Tier avg: 83.06%
1
1th pctile
Net Interest Margin
Current: 1.57% · Tier avg: 3.66%
Top Weaknesses
1
1th pctile
Net Interest Margin
Current: 1.57% · Tier avg: 3.66%
2
2th pctile
Loan-to-Deposit Ratio
Current: 115.48% · Tier avg: 83.06%
6
6th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.74%
7
7th pctile
Return on Assets
Current: 0.35% · Tier avg: 1.16%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 10.55% · Tier avg: 21.05%
18
18th pctile
Efficiency Ratio
Current: 74.81% · Tier avg: 62.63%
25
25th pctile
Total Deposits
Current: $576.7M · Tier avg: $1.2B
37
37th pctile
Total Assets
Current: $826.7M · Tier avg: $1.4B
47
47th pctile
Total Loans
Current: $665.9M · Tier avg: $975.5M
83
83th pctile
Tier 1 Capital Ratio
Current: 16.03% · Tier avg: 10.24%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%