BlastPoint's Banking Scorecard
The International Bank of Amherst
Micro
Specialty: Other
WI
FDIC cert 14907
Designations: ✓ Community bank
Amherst, WI
2498
banks in Micro tier nationally
88 in WI
View Micro leaderboard (WI) →
The International Bank of Amherst demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.04% above tier
- + Efficiency Ratio 21.54% below tier
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% 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 ? |
$104.0M
+4.5% YoY
+5.9% QoQ
|
-$113.5M |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
24% |
| Total Loans ? |
$51.7M
+8.3% YoY
+1.8% QoQ
|
-$87.5M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
21% |
| Total Deposits ? |
$89.6M
+4.1% YoY
+6.8% QoQ
|
-$94.0M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
25% |
| Return on Assets ? |
2.13%
+34.9% YoY
-2.4% QoQ
|
+1.04% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
Top 7% in tier |
| Net Interest Margin ? |
3.96%
+15.1% YoY
+0.5% QoQ
|
+0.11% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
57% |
| Efficiency Ratio ? |
46.18%
-15.5% YoY
+3.3% QoQ
|
-21.54% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
57.66%
+4.1% YoY
-4.7% QoQ
|
-16.86% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
27.52%
-4.6% YoY
+3.6% QoQ
|
+5.12% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
72% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.20%
-7.8% YoY
+24.0% QoQ
|
-0.36% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
24% |
Signature Analysis
Strengths (4)
Return on Assets
metric
Top 7%
in Micro
Why this stands out
Current:
2.13%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
46.18%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, 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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
94
94th pctile
Efficiency Ratio
Current: 46.18% · Tier avg: 67.73%
93
93th pctile
Return on Assets
Current: 2.13% · Tier avg: 1.08%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 27.52% · Tier avg: 22.39%
57
57th pctile
Net Interest Margin
Current: 3.96% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
25
25th pctile
Total Deposits
Current: $89.6M · Tier avg: $183.7M
24
24th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
24
24th pctile
Total Assets
Current: $104.0M · Tier avg: $217.5M
21
21th pctile
Loan-to-Deposit Ratio
Current: 57.66% · Tier avg: 74.53%
21
21th pctile
Total Loans
Current: $51.7M · Tier avg: $139.2M
Top Weaknesses
21
21th pctile
Total Loans
Current: $51.7M · Tier avg: $139.2M
21
21th pctile
Loan-to-Deposit Ratio
Current: 57.66% · Tier avg: 74.53%
24
24th pctile
Total Assets
Current: $104.0M · Tier avg: $217.5M
24
24th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
25
25th pctile
Total Deposits
Current: $89.6M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
57
57th pctile
Net Interest Margin
Current: 3.96% · Tier avg: 3.85%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 27.52% · Tier avg: 22.39%
93
93th pctile
Return on Assets
Current: 2.13% · Tier avg: 1.08%
94
94th pctile
Efficiency Ratio
Current: 46.18% · Tier avg: 67.73%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%