BlastPoint's Banking Scorecard
Northern State Bank
Micro
Specialty: Other
WI
FDIC cert 15242
Designations: ✓ Community bank
Ashland, WI
2498
banks in Micro tier nationally
88 in WI
View Micro leaderboard (WI) →
Northern State Bank shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
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 ? |
$330.9M
+8.8% YoY
+1.1% QoQ
|
+$113.5M |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
78% |
| Total Loans ? |
$153.4M
-4.6% YoY
-1.6% QoQ
|
+$14.2M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
61% |
| Total Deposits ? |
$297.1M
+8.1% YoY
+1.3% QoQ
|
+$113.4M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
81% |
| Return on Assets ? |
1.87%
-6.7% YoY
-1.7% QoQ
|
+0.79% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
Top 13% in tier |
| Net Interest Margin ? |
4.00%
-1.9% YoY
-0.3% QoQ
|
+0.15% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
58% |
| Efficiency Ratio ? |
51.97%
+2.1% YoY
+0.1% QoQ
|
-15.76% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Top 13% in tier |
| Delinquency Rate ? |
0.88%
-14.9% QoQ
|
+0.24% |
0.64%
+24.4% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
51.65%
-11.8% YoY
-2.9% QoQ
|
-22.88% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Top 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.08%
-6.7% YoY
+5.9% QoQ
|
-12.31% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 12% in tier |
| Nonperforming Asset Ratio ? |
0.41%
+451.7% YoY
-17.2% QoQ
|
-0.04% |
0.45%
+25.1% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
42% |
| Tier 1 Capital Ratio ? |
17.67%
+1.9% YoY
-2.6% QoQ
|
+8.82% |
8.85%
-3.4% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.51%
+44.9% YoY
+23.8% QoQ
|
-0.05% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
70% |
Signature Analysis
Strengths (0)
No strengths identified
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
87
87th pctile
Return on Assets
Current: 1.87% · Tier avg: 1.08%
87
87th pctile
Efficiency Ratio
Current: 51.97% · Tier avg: 67.73%
86
86th pctile
Loan-to-Deposit Ratio
Current: 51.65% · Tier avg: 74.53%
81
81th pctile
Tier 1 Capital Ratio
Current: 17.67% · Tier avg: 8.85%
81
81th pctile
Total Deposits
Current: $297.1M · Tier avg: $183.7M
78
78th pctile
Total Assets
Current: $330.9M · Tier avg: $217.5M
70
70th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.56%
61
61th pctile
Total Loans
Current: $153.4M · Tier avg: $139.2M
58
58th pctile
Net Interest Margin
Current: 4.00% · Tier avg: 3.85%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.41% · Tier avg: 0.45%
32
32th pctile
Delinquency Rate
Current: 0.88% · Tier avg: 0.64%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.08% · Tier avg: 22.39%
Top Weaknesses
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.08% · Tier avg: 22.39%
32
32th pctile
Delinquency Rate
Current: 0.88% · Tier avg: 0.64%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.41% · Tier avg: 0.45%
58
58th pctile
Net Interest Margin
Current: 4.00% · Tier avg: 3.85%
61
61th pctile
Total Loans
Current: $153.4M · Tier avg: $139.2M
70
70th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.56%
78
78th pctile
Total Assets
Current: $330.9M · Tier avg: $217.5M
81
81th pctile
Total Deposits
Current: $297.1M · Tier avg: $183.7M
81
81th pctile
Tier 1 Capital Ratio
Current: 17.67% · Tier avg: 8.85%
86
86th pctile
Loan-to-Deposit Ratio
Current: 51.65% · Tier avg: 74.53%
87
87th pctile
Efficiency Ratio
Current: 51.97% · Tier avg: 67.73%
87
87th pctile
Return on Assets
Current: 1.87% · Tier avg: 1.08%