BlastPoint's Banking Scorecard
State Bank of Reeseville
Micro
Specialty: Agricultural
WI
FDIC cert 14960
Designations: ✓ Community bank
Reeseville, WI
2498
banks in Micro tier nationally
88 in WI
View Micro leaderboard (WI) →
State Bank of Reeseville has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.44% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$169.6M
+10.0% YoY
+2.1% QoQ
|
-$47.9M |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
43% |
| Total Loans ? |
$79.5M
+7.5% YoY
+1.2% QoQ
|
-$59.6M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
34% |
| Total Deposits ? |
$133.5M
+8.2% YoY
+0.4% QoQ
|
-$50.2M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
40% |
| Return on Assets ? |
0.85%
+185.4% YoY
-8.3% QoQ
|
-0.24% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
36% |
| Net Interest Margin ? |
2.41%
+5.2% YoY
+0.6% QoQ
|
-1.44% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
Bottom 5% in tier |
| Efficiency Ratio ? |
67.41%
-22.5% YoY
-3.6% QoQ
|
-0.31% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
46% |
| 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 ? |
59.59%
-0.6% YoY
+0.8% QoQ
|
-14.94% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
18.23%
+1.5% YoY
+5.7% QoQ
|
-4.16% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
35% |
| 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 ? |
0.39%
+292.1% YoY
+33.8% QoQ
|
-0.17% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
54% |
Signature Analysis
Strengths (2)
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 (1)
Net Interest Margin
metric
Bottom 5%
in Micro
Why this stands out
Current:
2.41%
(Tier avg: 3.85%, 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
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%
76
76th pctile
Loan-to-Deposit Ratio
Current: 59.59% · Tier avg: 74.53%
54
54th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Efficiency Ratio
Current: 67.41% · Tier avg: 67.73%
43
43th pctile
Total Assets
Current: $169.6M · Tier avg: $217.5M
40
40th pctile
Total Deposits
Current: $133.5M · Tier avg: $183.7M
36
36th pctile
Return on Assets
Current: 0.85% · Tier avg: 1.08%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 18.23% · Tier avg: 22.39%
34
34th pctile
Total Loans
Current: $79.5M · Tier avg: $139.2M
5
5th pctile
Net Interest Margin
Current: 2.41% · Tier avg: 3.85%
Top Weaknesses
5
5th pctile
Net Interest Margin
Current: 2.41% · Tier avg: 3.85%
34
34th pctile
Total Loans
Current: $79.5M · Tier avg: $139.2M
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 18.23% · Tier avg: 22.39%
36
36th pctile
Return on Assets
Current: 0.85% · Tier avg: 1.08%
40
40th pctile
Total Deposits
Current: $133.5M · Tier avg: $183.7M
43
43th pctile
Total Assets
Current: $169.6M · Tier avg: $217.5M
46
46th pctile
Efficiency Ratio
Current: 67.41% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
54
54th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.56%
76
76th pctile
Loan-to-Deposit Ratio
Current: 59.59% · Tier avg: 74.53%
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%