BlastPoint's Banking Scorecard
Johnson Bank
Mid-Market
Specialty: Commercial
WI
FDIC cert 20296
Designations: ✓ Community bank
Racine, WI
201
banks in Mid-Market tier nationally
2 in WI
View Mid-Market leaderboard (WI) →
Johnson Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 4% in Mid-Market
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 22% in Mid-Market
- - Credit Quality Pressure: Bottom 22% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.2B
+6.6% YoY
+1.7% QoQ
|
-$3.3B |
$10.5B
+2.9% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
36% |
| Total Loans ? |
$5.2B
+4.6% YoY
-2.6% QoQ
|
-$1.9B |
$7.1B
+4.5% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
42% |
| Total Deposits ? |
$6.0B
+11.5% YoY
+3.6% QoQ
|
-$2.5B |
$8.5B
+3.0% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
38% |
| Return on Assets ? |
1.07%
+19.8% YoY
+5.0% QoQ
|
-0.09% |
1.16%
+9.4% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
43% |
| Net Interest Margin ? |
3.52%
+2.6% YoY
+0.5% QoQ
|
+0.12% |
3.40%
+7.9% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
52% |
| Efficiency Ratio ? |
65.80%
-5.0% YoY
-0.7% QoQ
|
+9.19% |
56.60%
-3.2% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
21% |
| Delinquency Rate ? |
0.28%
+56.1% YoY
-17.9% QoQ
|
-0.40% |
0.68%
+12.0% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
86.73%
-6.2% YoY
-6.0% QoQ
|
+1.26% |
85.47%
+1.1% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
18.08%
-4.2% YoY
-5.4% QoQ
|
-2.56% |
20.64%
-0.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
33% |
| Nonperforming Asset Ratio ? |
0.21%
+54.5% YoY
-21.3% QoQ
|
-0.29% |
0.50%
+7.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
78% |
| Tier 1 Capital Ratio ? |
15.64%
+0.9% YoY
+5.1% QoQ
|
+2.09% |
13.55%
+1.8% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
Top 14% in tier |
| Non-Interest Income / Assets ? |
1.01%
+4.9% YoY
+31.7% QoQ
|
+0.06% |
0.96%
+7.1% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
77% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#3 of 50 · Top 4% in Mid-Market
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.28%
(Tier: 0.68%, National: 0.66%)
50 of 50 Mid-Market banks match
·
443 nationally
→ Stable
+6 banks QoQ
Concerns (2)
Credit Risk Growth
risk
#20 of 87 · Bottom 22% in Mid-Market
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
87 of 87 Mid-Market banks match
·
759 nationally
→ Stable
+24 banks QoQ
Credit Quality Pressure
risk
#26 of 113 · Bottom 22% in Mid-Market
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.28%
(Tier: 0.68%, National: 0.66%)
113 of 113 Mid-Market banks match
·
961 nationally
→ Stable
+22 banks QoQ
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
Tier 1 Capital Ratio
Current: 15.64% · Tier avg: 13.55%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
77
77th pctile
Non-Interest Income / Assets
Current: 1.01% · Tier avg: 0.96%
76
76th pctile
Delinquency Rate
Current: 0.28% · Tier avg: 0.68%
53
53th pctile
Loan-to-Deposit Ratio
Current: 86.73% · Tier avg: 85.47%
52
52th pctile
Net Interest Margin
Current: 3.52% · Tier avg: 3.40%
43
43th pctile
Return on Assets
Current: 1.07% · Tier avg: 1.16%
42
42th pctile
Total Loans
Current: $5.2B · Tier avg: $7.1B
38
38th pctile
Total Deposits
Current: $6.0B · Tier avg: $8.5B
36
36th pctile
Total Assets
Current: $7.2B · Tier avg: $10.5B
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 18.08% · Tier avg: 20.64%
21
21th pctile
Efficiency Ratio
Current: 65.80% · Tier avg: 56.60%
Top Weaknesses
21
21th pctile
Efficiency Ratio
Current: 65.80% · Tier avg: 56.60%
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 18.08% · Tier avg: 20.64%
36
36th pctile
Total Assets
Current: $7.2B · Tier avg: $10.5B
38
38th pctile
Total Deposits
Current: $6.0B · Tier avg: $8.5B
42
42th pctile
Total Loans
Current: $5.2B · Tier avg: $7.1B
43
43th pctile
Return on Assets
Current: 1.07% · Tier avg: 1.16%
52
52th pctile
Net Interest Margin
Current: 3.52% · Tier avg: 3.40%
53
53th pctile
Loan-to-Deposit Ratio
Current: 86.73% · Tier avg: 85.47%
76
76th pctile
Delinquency Rate
Current: 0.28% · Tier avg: 0.68%
77
77th pctile
Non-Interest Income / Assets
Current: 1.01% · Tier avg: 0.96%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
86
86th pctile
Tier 1 Capital Ratio
Current: 15.64% · Tier avg: 13.55%