BlastPoint's Banking Scorecard
AbbyBank
Community
Specialty: Commercial
WI
FDIC cert 19795
Abbotsford, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
AbbyBank 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
- - Flatlined Growth: Bottom 17% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$656.8M
-0.2% YoY
+1.0% QoQ
|
-$734.6M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
22% |
| Total Loans ? |
$425.5M
+0.1% YoY
+0.3% QoQ
|
-$550.0M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
18% |
| Total Deposits ? |
$571.9M
+5.4% YoY
+3.0% QoQ
|
-$592.7M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
25% |
| Return on Assets ? |
0.71%
+71.9% YoY
+8.1% QoQ
|
-0.46% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
20% |
| Net Interest Margin ? |
3.25%
+20.2% YoY
+2.3% QoQ
|
-0.42% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
27% |
| Efficiency Ratio ? |
72.67%
-10.7% YoY
-1.0% QoQ
|
+10.04% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
22% |
| Delinquency Rate ? |
1.58%
+59.6% YoY
+0.4% QoQ
|
+0.95% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 14% in tier |
| Loan-to-Deposit Ratio ? |
74.40%
-5.0% YoY
-2.6% QoQ
|
-8.66% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
24.52%
+14.9% YoY
-8.6% QoQ
|
+3.48% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
68% |
| Nonperforming Asset Ratio ? |
1.11%
+49.8% YoY
-0.4% QoQ
|
+0.61% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
17% |
| Tier 1 Capital Ratio ? |
12.62%
+5.4% YoY
+1.2% QoQ
|
+2.38% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.28%
+6.1% YoY
+28.1% QoQ
|
-0.46% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
20% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Flatlined Growth
risk
#43 of 245 · Bottom 17% 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:
0.71%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank declining
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
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 24.52% · Tier avg: 21.05%
54
54th pctile
Tier 1 Capital Ratio
Current: 12.62% · Tier avg: 10.24%
27
27th pctile
Net Interest Margin
Current: 3.25% · Tier avg: 3.66%
27
27th pctile
Loan-to-Deposit Ratio
Current: 74.40% · Tier avg: 83.06%
25
25th pctile
Total Deposits
Current: $571.9M · Tier avg: $1.2B
22
22th pctile
Total Assets
Current: $656.8M · Tier avg: $1.4B
22
22th pctile
Efficiency Ratio
Current: 72.67% · Tier avg: 62.63%
20
20th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.74%
20
20th pctile
Return on Assets
Current: 0.71% · Tier avg: 1.16%
18
18th pctile
Total Loans
Current: $425.5M · Tier avg: $975.5M
17
17th pctile
Nonperforming Asset Ratio
Current: 1.11% · Tier avg: 0.50%
14
14th pctile
Delinquency Rate
Current: 1.58% · Tier avg: 0.63%
Top Weaknesses
14
14th pctile
Delinquency Rate
Current: 1.58% · Tier avg: 0.63%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.11% · Tier avg: 0.50%
18
18th pctile
Total Loans
Current: $425.5M · Tier avg: $975.5M
20
20th pctile
Return on Assets
Current: 0.71% · Tier avg: 1.16%
20
20th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.74%
22
22th pctile
Efficiency Ratio
Current: 72.67% · Tier avg: 62.63%
22
22th pctile
Total Assets
Current: $656.8M · Tier avg: $1.4B
25
25th pctile
Total Deposits
Current: $571.9M · Tier avg: $1.2B
27
27th pctile
Loan-to-Deposit Ratio
Current: 74.40% · Tier avg: 83.06%
27
27th pctile
Net Interest Margin
Current: 3.25% · Tier avg: 3.66%
54
54th pctile
Tier 1 Capital Ratio
Current: 12.62% · Tier avg: 10.24%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 24.52% · Tier avg: 21.05%