BlastPoint's Banking Scorecard
Great North Bank
Micro
Specialty: Other
WI
FDIC cert 15146
Designations: ✓ Community bank
Florence, WI
2498
banks in Micro tier nationally
88 in WI
View Micro leaderboard (WI) →
Great North Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 1.24% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.25% below tier
- - Efficiency Ratio 34.54% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$218.2M
+22.1% YoY
+8.2% QoQ
|
+$704K |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
56% |
| Total Loans ? |
$132.6M
+66.5% YoY
+8.7% QoQ
|
-$6.6M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
54% |
| Total Deposits ? |
$172.3M
+27.0% YoY
+13.9% QoQ
|
-$11.3M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
52% |
| Return on Assets ? |
-0.17%
+59.7% YoY
+27.4% QoQ
|
-1.25% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 5% in tier |
| Net Interest Margin ? |
4.22%
+52.4% YoY
+0.5% QoQ
|
+0.37% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
69% |
| Efficiency Ratio ? |
102.27%
+4.5% YoY
-1.7% QoQ
|
+34.54% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? |
1.41%
-48.2% YoY
+19.5% QoQ
|
+0.77% |
0.64%
+24.4% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
76.94%
+31.1% YoY
-4.5% QoQ
|
+2.41% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
10.44%
-9.4% YoY
-7.9% QoQ
|
-11.95% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 13% in tier |
| Nonperforming Asset Ratio ? |
0.87%
-30.2% YoY
+16.6% QoQ
|
+0.42% |
0.45%
+25.1% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
23% |
| Tier 1 Capital Ratio ? |
13.63%
-23.3% YoY
-3.9% QoQ
|
+4.78% |
8.85%
-3.4% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
66% |
| Non-Interest Income / Assets ? |
1.80%
+250.8% YoY
+27.8% QoQ
|
+1.24% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
Top 3% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 3%
in Micro
Why this stands out
Current:
1.80%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (2)
Return on Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
-0.17%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
102.27%
(Tier avg: 67.73%, National avg: 65.09%)
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
97
97th pctile
Non-Interest Income / Assets
Current: 1.80% · Tier avg: 0.56%
69
69th pctile
Net Interest Margin
Current: 4.22% · Tier avg: 3.85%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.63% · Tier avg: 8.85%
56
56th pctile
Total Assets
Current: $218.2M · Tier avg: $217.5M
54
54th pctile
Total Loans
Current: $132.6M · Tier avg: $139.2M
52
52th pctile
Total Deposits
Current: $172.3M · Tier avg: $183.7M
48
48th pctile
Loan-to-Deposit Ratio
Current: 76.94% · Tier avg: 74.53%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.87% · Tier avg: 0.45%
20
20th pctile
Delinquency Rate
Current: 1.41% · Tier avg: 0.64%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 10.44% · Tier avg: 22.39%
5
5th pctile
Return on Assets
Current: -0.17% · Tier avg: 1.08%
4
4th pctile
Efficiency Ratio
Current: 102.27% · Tier avg: 67.73%
Top Weaknesses
4
4th pctile
Efficiency Ratio
Current: 102.27% · Tier avg: 67.73%
5
5th pctile
Return on Assets
Current: -0.17% · Tier avg: 1.08%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 10.44% · Tier avg: 22.39%
20
20th pctile
Delinquency Rate
Current: 1.41% · Tier avg: 0.64%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.87% · Tier avg: 0.45%
48
48th pctile
Loan-to-Deposit Ratio
Current: 76.94% · Tier avg: 74.53%
52
52th pctile
Total Deposits
Current: $172.3M · Tier avg: $183.7M
54
54th pctile
Total Loans
Current: $132.6M · Tier avg: $139.2M
56
56th pctile
Total Assets
Current: $218.2M · Tier avg: $217.5M
66
66th pctile
Tier 1 Capital Ratio
Current: 13.63% · Tier avg: 8.85%
69
69th pctile
Net Interest Margin
Current: 4.22% · Tier avg: 3.85%
97
97th pctile
Non-Interest Income / Assets
Current: 1.80% · Tier avg: 0.56%