BlastPoint's Banking Scorecard
Premier Community Bank
Community
Specialty: Commercial
WI
FDIC cert 15799
Marion, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
Premier Community Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 1% in Community
- - Credit Risk Growth: Bottom 2% in Community
- - Efficiency Drag: Bottom 19% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$551.4M
+2.8% YoY
+3.5% QoQ
|
-$840.1M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
Bottom 7% in tier |
| Total Loans ? |
$373.6M
+2.2% YoY
-1.4% QoQ
|
-$601.9M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 11% in tier |
| Total Deposits ? |
$484.1M
+2.8% YoY
+3.5% QoQ
|
-$680.5M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
Bottom 11% in tier |
| Return on Assets ? |
0.56%
-11.6% YoY
+4.5% QoQ
|
-0.60% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 13% in tier |
| Net Interest Margin ? |
3.62%
+5.5% YoY
+1.7% QoQ
|
-0.05% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
48% |
| Efficiency Ratio ? |
82.08%
+5.3% YoY
-0.5% QoQ
|
+19.45% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 8% in tier |
| Delinquency Rate ? |
0.00%
-79.7% QoQ
|
-0.63% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Top 5% in tier |
| Loan-to-Deposit Ratio ? |
77.17%
-0.5% YoY
-4.7% QoQ
|
-5.89% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
11.26%
-4.1% YoY
-6.4% QoQ
|
-9.78% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 13% in tier |
| Nonperforming Asset Ratio ? |
0.05%
-2.4% YoY
-4.9% QoQ
|
-0.45% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
Top 13% in tier |
| Tier 1 Capital Ratio ? |
12.06%
+4.6% YoY
+1.8% QoQ
|
+1.82% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
47% |
| Non-Interest Income / Assets ? |
0.76%
+25.2% YoY
+71.3% QoQ
|
+0.02% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
75% |
Signature Analysis
Strengths (1)
Delinquency Rate
metric
Top 5%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Concerns (3)
Credit Quality Pressure
risk
#1 of 808 · Bottom 1% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.00%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Credit Risk Growth
risk
#14 of 642 · Bottom 2% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Efficiency Drag
risk
#30 of 152 · Bottom 19% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
82.08%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 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
95
95th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
87
87th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%
75
75th pctile
Non-Interest Income / Assets
Current: 0.76% · Tier avg: 0.74%
68
68th pctile
Loan-to-Deposit Ratio
Current: 77.17% · Tier avg: 83.06%
48
48th pctile
Net Interest Margin
Current: 3.62% · Tier avg: 3.66%
47
47th pctile
Tier 1 Capital Ratio
Current: 12.06% · Tier avg: 10.24%
13
13th pctile
Return on Assets
Current: 0.56% · Tier avg: 1.16%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 11.26% · Tier avg: 21.05%
11
11th pctile
Total Loans
Current: $373.6M · Tier avg: $975.5M
11
11th pctile
Total Deposits
Current: $484.1M · Tier avg: $1.2B
8
8th pctile
Efficiency Ratio
Current: 82.08% · Tier avg: 62.63%
7
7th pctile
Total Assets
Current: $551.4M · Tier avg: $1.4B
Top Weaknesses
7
7th pctile
Total Assets
Current: $551.4M · Tier avg: $1.4B
8
8th pctile
Efficiency Ratio
Current: 82.08% · Tier avg: 62.63%
11
11th pctile
Total Deposits
Current: $484.1M · Tier avg: $1.2B
11
11th pctile
Total Loans
Current: $373.6M · Tier avg: $975.5M
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 11.26% · Tier avg: 21.05%
13
13th pctile
Return on Assets
Current: 0.56% · Tier avg: 1.16%
47
47th pctile
Tier 1 Capital Ratio
Current: 12.06% · Tier avg: 10.24%
48
48th pctile
Net Interest Margin
Current: 3.62% · Tier avg: 3.66%
68
68th pctile
Loan-to-Deposit Ratio
Current: 77.17% · Tier avg: 83.06%
75
75th pctile
Non-Interest Income / Assets
Current: 0.76% · Tier avg: 0.74%
87
87th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%
95
95th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%