BlastPoint's Banking Scorecard
First State Bank
Community
Specialty: Commercial
WI
FDIC cert 15271
New London, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
First State Bank shows strong momentum with 1 strength and 5.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 27% in Community
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 ? |
$564.4M
+5.4% YoY
+7.9% QoQ
|
-$827.0M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
Bottom 10% in tier |
| Total Loans ? |
$379.7M
+13.8% YoY
+8.8% QoQ
|
-$595.8M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 12% in tier |
| Total Deposits ? |
$457.2M
+1.6% YoY
+4.9% QoQ
|
-$707.4M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
Bottom 6% in tier |
| Return on Assets ? |
0.65%
+5.3% YoY
+14.3% QoQ
|
-0.51% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
17% |
| Net Interest Margin ? |
3.58%
+16.1% YoY
+3.4% QoQ
|
-0.09% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
46% |
| Efficiency Ratio ? |
75.60%
-2.9% YoY
-2.3% QoQ
|
+12.97% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
16% |
| Delinquency Rate ? |
0.08%
-0.5% YoY
-0.8% QoQ
|
-0.55% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
83.04%
+12.0% YoY
+3.8% QoQ
|
-0.02% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
20.44%
+59.1% YoY
+0.1% QoQ
|
-0.60% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
52% |
| Nonperforming Asset Ratio ? |
0.05%
+7.4% YoY
-0.0% QoQ
|
-0.45% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
Top 14% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.42%
-3.5% YoY
+25.1% QoQ
|
-0.32% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
38% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#102 of 371 · Top 27% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.08%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
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
86
86th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%
84
84th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%
55
55th pctile
Loan-to-Deposit Ratio
Current: 83.04% · Tier avg: 83.06%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 20.44% · Tier avg: 21.05%
46
46th pctile
Net Interest Margin
Current: 3.58% · Tier avg: 3.66%
38
38th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
17
17th pctile
Return on Assets
Current: 0.65% · Tier avg: 1.16%
16
16th pctile
Efficiency Ratio
Current: 75.60% · Tier avg: 62.63%
12
12th pctile
Total Loans
Current: $379.7M · Tier avg: $975.5M
10
10th pctile
Total Assets
Current: $564.4M · Tier avg: $1.4B
6
6th pctile
Total Deposits
Current: $457.2M · Tier avg: $1.2B
Top Weaknesses
6
6th pctile
Total Deposits
Current: $457.2M · Tier avg: $1.2B
10
10th pctile
Total Assets
Current: $564.4M · Tier avg: $1.4B
12
12th pctile
Total Loans
Current: $379.7M · Tier avg: $975.5M
16
16th pctile
Efficiency Ratio
Current: 75.60% · Tier avg: 62.63%
17
17th pctile
Return on Assets
Current: 0.65% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
38
38th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.74%
46
46th pctile
Net Interest Margin
Current: 3.58% · Tier avg: 3.66%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 20.44% · Tier avg: 21.05%
55
55th pctile
Loan-to-Deposit Ratio
Current: 83.04% · Tier avg: 83.06%
84
84th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%
86
86th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%