BlastPoint's Banking Scorecard
First Business Bank
Community
Specialty: Commercial
WI
FDIC cert 15229
Madison, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
First Business Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 32% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.1B
+5.9% YoY
+1.1% QoQ
|
+$2.7B |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
Top 3% in tier |
| Total Loans ? |
$3.4B
+8.6% YoY
+1.3% QoQ
|
+$2.4B |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
Top 2% in tier |
| Total Deposits ? |
$3.4B
+8.6% YoY
+1.4% QoQ
|
+$2.2B |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
Top 3% in tier |
| Return on Assets ? |
1.36%
+2.8% YoY
-0.3% QoQ
|
+0.19% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
66% |
| Net Interest Margin ? |
3.80%
+0.3% YoY
-0.1% QoQ
|
+0.14% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
60% |
| Efficiency Ratio ? |
57.01%
-2.2% YoY
-0.5% QoQ
|
-5.62% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
67% |
| Delinquency Rate ? |
1.31%
+42.4% YoY
+84.0% QoQ
|
+0.68% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
99.25%
-0.0% YoY
-0.1% QoQ
|
+16.19% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.23%
-20.9% YoY
-6.9% QoQ
|
-9.81% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 13% in tier |
| Nonperforming Asset Ratio ? |
1.07%
+45.9% YoY
+84.4% QoQ
|
+0.58% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
18% |
| Tier 1 Capital Ratio ? |
11.16%
+2.3% YoY
+0.7% QoQ
|
+0.92% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.81%
+2.9% YoY
+33.6% QoQ
|
+0.07% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
78% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
NIB Deposit Bleed
decline
#29 of 89 · Bottom 32% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
11.23%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
|
QoQ rank improving
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
98
98th pctile
Total Loans
Current: $3.4B · Tier avg: $975.5M
97
97th pctile
Total Assets
Current: $4.1B · Tier avg: $1.4B
97
97th pctile
Total Deposits
Current: $3.4B · Tier avg: $1.2B
78
78th pctile
Non-Interest Income / Assets
Current: 0.81% · Tier avg: 0.74%
67
67th pctile
Efficiency Ratio
Current: 57.01% · Tier avg: 62.63%
66
66th pctile
Return on Assets
Current: 1.36% · Tier avg: 1.16%
60
60th pctile
Net Interest Margin
Current: 3.80% · Tier avg: 3.66%
38
38th pctile
Tier 1 Capital Ratio
Current: 11.16% · Tier avg: 10.24%
19
19th pctile
Delinquency Rate
Current: 1.31% · Tier avg: 0.63%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.07% · Tier avg: 0.50%
14
14th pctile
Loan-to-Deposit Ratio
Current: 99.25% · Tier avg: 83.06%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 11.23% · Tier avg: 21.05%
Top Weaknesses
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 11.23% · Tier avg: 21.05%
14
14th pctile
Loan-to-Deposit Ratio
Current: 99.25% · Tier avg: 83.06%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.07% · Tier avg: 0.50%
19
19th pctile
Delinquency Rate
Current: 1.31% · Tier avg: 0.63%
38
38th pctile
Tier 1 Capital Ratio
Current: 11.16% · Tier avg: 10.24%
60
60th pctile
Net Interest Margin
Current: 3.80% · Tier avg: 3.66%
66
66th pctile
Return on Assets
Current: 1.36% · Tier avg: 1.16%
67
67th pctile
Efficiency Ratio
Current: 57.01% · Tier avg: 62.63%
78
78th pctile
Non-Interest Income / Assets
Current: 0.81% · Tier avg: 0.74%
97
97th pctile
Total Deposits
Current: $3.4B · Tier avg: $1.2B
97
97th pctile
Total Assets
Current: $4.1B · Tier avg: $1.4B
98
98th pctile
Total Loans
Current: $3.4B · Tier avg: $975.5M