BlastPoint's Banking Scorecard
Bank of Wisconsin Dells
Community
Specialty: Commercial
WI
FDIC cert 15136
Wisconsin Dells, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
Bank of Wisconsin Dells shows strong momentum with 3 strengths and 10.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 26% in Community
- + Profitability Leader: Top 41% in Community
- + Efficiency Ratio 18.27% 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 ? |
$1.1B
+10.8% YoY
+5.5% QoQ
|
-$326.5M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
54% |
| Total Loans ? |
$825.2M
+12.6% YoY
+4.7% QoQ
|
-$150.3M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
59% |
| Total Deposits ? |
$894.3M
+6.4% YoY
+4.8% QoQ
|
-$270.3M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
53% |
| Return on Assets ? |
1.60%
+33.6% YoY
-3.1% QoQ
|
+0.43% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
78% |
| Net Interest Margin ? |
3.67%
+24.3% YoY
+1.8% QoQ
|
0 |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
51% |
| Efficiency Ratio ? |
44.36%
-13.4% YoY
+3.7% QoQ
|
-18.27% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? |
0.12%
-17.4% YoY
-5.5% QoQ
|
-0.51% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
92.27%
+5.8% YoY
-0.0% QoQ
|
+9.21% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
15.93%
-4.1% YoY
-6.8% QoQ
|
-5.12% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
30% |
| Nonperforming Asset Ratio ? |
0.09%
-16.1% YoY
-6.2% QoQ
|
-0.41% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
79% |
| Tier 1 Capital Ratio ? |
12.45%
+1.8% YoY
-4.4% QoQ
|
+2.20% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.40%
-6.5% YoY
+24.0% QoQ
|
-0.34% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
36% |
Signature Analysis
Strengths (3)
Credit Quality Leader
growth
#96 of 371 · Top 26% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.12%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Profitability Leader
growth
#154 of 371 · Top 41% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.60%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Efficiency Ratio
metric
Top 8%
in Community
Why this stands out
Current:
44.36%
(Tier avg: 62.63%, National avg: 65.09%)
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
92
92th pctile
Efficiency Ratio
Current: 44.36% · Tier avg: 62.63%
80
80th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.63%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
78
78th pctile
Return on Assets
Current: 1.60% · Tier avg: 1.16%
59
59th pctile
Total Loans
Current: $825.2M · Tier avg: $975.5M
54
54th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
53
53th pctile
Total Deposits
Current: $894.3M · Tier avg: $1.2B
51
51th pctile
Tier 1 Capital Ratio
Current: 12.45% · Tier avg: 10.24%
51
51th pctile
Net Interest Margin
Current: 3.67% · Tier avg: 3.66%
36
36th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.74%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 15.93% · Tier avg: 21.05%
29
29th pctile
Loan-to-Deposit Ratio
Current: 92.27% · Tier avg: 83.06%
Top Weaknesses
29
29th pctile
Loan-to-Deposit Ratio
Current: 92.27% · Tier avg: 83.06%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 15.93% · Tier avg: 21.05%
36
36th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.74%
51
51th pctile
Net Interest Margin
Current: 3.67% · Tier avg: 3.66%
51
51th pctile
Tier 1 Capital Ratio
Current: 12.45% · Tier avg: 10.24%
53
53th pctile
Total Deposits
Current: $894.3M · Tier avg: $1.2B
54
54th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
59
59th pctile
Total Loans
Current: $825.2M · Tier avg: $975.5M
78
78th pctile
Return on Assets
Current: 1.60% · Tier avg: 1.16%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
80
80th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.63%
92
92th pctile
Efficiency Ratio
Current: 44.36% · Tier avg: 62.63%