BlastPoint's Banking Scorecard
Bank of Ontario
Micro
Specialty: Agricultural
WI
FDIC cert 21085
Designations: ✓ Community bank
Ontario, WI
2498
banks in Micro tier nationally
88 in WI
View Micro leaderboard (WI) →
Bank of Ontario has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.25% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 8.11% above tier
- - Nonperforming Asset Ratio 6.57% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$81.6M
-0.3% YoY
+1.6% QoQ
|
-$135.9M |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
17% |
| Total Loans ? |
$65.4M
-5.1% YoY
+0.5% QoQ
|
-$73.8M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
27% |
| Total Deposits ? |
$68.1M
+0.4% YoY
+1.6% QoQ
|
-$115.5M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
17% |
| Return on Assets ? |
1.34%
-47.4% YoY
+4.3% QoQ
|
+0.25% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
67% |
| Net Interest Margin ? |
5.10%
-5.5% YoY
+0.1% QoQ
|
+1.25% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
Top 8% in tier |
| Efficiency Ratio ? |
63.79%
+25.2% YoY
+0.8% QoQ
|
-3.93% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
56% |
| Delinquency Rate ? |
8.75%
+160.2% YoY
+0.7% QoQ
|
+8.11% |
0.64%
+24.4% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
95.99%
-5.5% YoY
-1.1% QoQ
|
+21.46% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Top 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.53%
-6.7% YoY
-8.4% QoQ
|
-0.86% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
49% |
| Nonperforming Asset Ratio ? |
7.02%
+147.5% YoY
-0.4% QoQ
|
+6.57% |
0.45%
+25.1% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.42%
-0.3% YoY
+33.6% QoQ
|
-0.14% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
59% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 8%
in Micro
Why this stands out
Current:
5.10%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
8.75%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
7.02%
(Tier avg: 0.45%, National avg: 0.48%)
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
92
92th pctile
Net Interest Margin
Current: 5.10% · Tier avg: 3.85%
87
87th pctile
Loan-to-Deposit Ratio
Current: 95.99% · Tier avg: 74.53%
67
67th pctile
Return on Assets
Current: 1.34% · Tier avg: 1.08%
59
59th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
56
56th pctile
Efficiency Ratio
Current: 63.79% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 21.53% · Tier avg: 22.39%
27
27th pctile
Total Loans
Current: $65.4M · Tier avg: $139.2M
17
17th pctile
Total Deposits
Current: $68.1M · Tier avg: $183.7M
17
17th pctile
Total Assets
Current: $81.6M · Tier avg: $217.5M
0
0th pctile
Delinquency Rate
Current: 8.75% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 7.02% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 7.02% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 8.75% · Tier avg: 0.64%
17
17th pctile
Total Assets
Current: $81.6M · Tier avg: $217.5M
17
17th pctile
Total Deposits
Current: $68.1M · Tier avg: $183.7M
27
27th pctile
Total Loans
Current: $65.4M · Tier avg: $139.2M
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 21.53% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Efficiency Ratio
Current: 63.79% · Tier avg: 67.73%
59
59th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
67
67th pctile
Return on Assets
Current: 1.34% · Tier avg: 1.08%
87
87th pctile
Loan-to-Deposit Ratio
Current: 95.99% · Tier avg: 74.53%
92
92th pctile
Net Interest Margin
Current: 5.10% · Tier avg: 3.85%