BlastPoint's Banking Scorecard
Peoples State Bank
Community
Specialty: Commercial
WI
FDIC cert 18569
Wausau, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
Peoples State Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 9% in Community
- - Credit Risk Growth: Bottom 34% in Community
- - Flatlined Growth: Bottom 36% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
-0.3% YoY
-2.4% QoQ
|
+$69.5M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
68% |
| Total Loans ? |
$1.1B
+1.7% YoY
-1.7% QoQ
|
+$120.7M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
71% |
| Total Deposits ? |
$1.2B
+2.6% YoY
-0.8% QoQ
|
+$25.0M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
67% |
| Return on Assets ? |
1.02%
+29.8% YoY
+5.1% QoQ
|
-0.14% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
41% |
| Net Interest Margin ? |
3.33%
+10.7% YoY
+2.4% QoQ
|
-0.34% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
32% |
| Efficiency Ratio ? |
64.90%
-6.4% YoY
-2.0% QoQ
|
+2.26% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
41% |
| Delinquency Rate ? |
1.50%
+58.0% YoY
+1.0% QoQ
|
+0.87% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
92.15%
-0.9% YoY
-0.9% QoQ
|
+9.09% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
24.14%
+4.2% YoY
+0.4% QoQ
|
+3.09% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
67% |
| Nonperforming Asset Ratio ? |
1.13%
+61.1% YoY
+1.6% QoQ
|
+0.63% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
17% |
| Tier 1 Capital Ratio ? |
13.46%
+4.3% YoY
+0.1% QoQ
|
+3.21% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.55%
+14.3% YoY
+38.8% QoQ
|
-0.19% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
55% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Liquidity Strain
risk
#48 of 513 · Bottom 9% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
92.15%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#217 of 642 · Bottom 34% 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
|
QoQ rank improving
Flatlined Growth
risk
#88 of 245 · Bottom 36% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
1.02%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 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
71
71th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
70
70th pctile
Loan-to-Deposit Ratio
Current: 92.15% · Tier avg: 83.06%
68
68th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
67
67th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 24.14% · Tier avg: 21.05%
62
62th pctile
Tier 1 Capital Ratio
Current: 13.46% · Tier avg: 10.24%
55
55th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.74%
41
41th pctile
Efficiency Ratio
Current: 64.90% · Tier avg: 62.63%
41
41th pctile
Return on Assets
Current: 1.02% · Tier avg: 1.16%
32
32th pctile
Net Interest Margin
Current: 3.33% · Tier avg: 3.66%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.13% · Tier avg: 0.50%
16
16th pctile
Delinquency Rate
Current: 1.50% · Tier avg: 0.63%
Top Weaknesses
16
16th pctile
Delinquency Rate
Current: 1.50% · Tier avg: 0.63%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.13% · Tier avg: 0.50%
32
32th pctile
Net Interest Margin
Current: 3.33% · Tier avg: 3.66%
41
41th pctile
Return on Assets
Current: 1.02% · Tier avg: 1.16%
41
41th pctile
Efficiency Ratio
Current: 64.90% · Tier avg: 62.63%
55
55th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.74%
62
62th pctile
Tier 1 Capital Ratio
Current: 13.46% · Tier avg: 10.24%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 24.14% · Tier avg: 21.05%
67
67th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
68
68th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
70
70th pctile
Loan-to-Deposit Ratio
Current: 92.15% · Tier avg: 83.06%
71
71th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M