BlastPoint's Banking Scorecard
Bankers' Bank
Community
Specialty: Commercial
WI
FDIC cert 23537
Madison, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
Bankers' Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 28% in Community
- + Non-Interest-Bearing Deposit Share 16.39% above tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 17% in Community
- - Capital Constraint: Bottom 85% in Community
- - Net Interest Margin 1.36% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
-3.4% YoY
-2.0% QoQ
|
+$28.6M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
67% |
| Total Loans ? |
$1.1B
+1.4% YoY
-2.1% QoQ
|
+$118.5M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
71% |
| Total Deposits ? |
$808.0M
-12.8% YoY
-12.0% QoQ
|
-$356.7M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
47% |
| Return on Assets ? |
0.80%
+22.0% YoY
+7.5% QoQ
|
-0.37% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
24% |
| Net Interest Margin ? |
2.31%
+34.4% YoY
+4.4% QoQ
|
-1.36% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
63.23%
-15.0% YoY
-3.4% QoQ
|
+0.60% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
47% |
| Delinquency Rate ? |
1.42%
+30.4% YoY
-16.6% QoQ
|
+0.79% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
135.40%
+16.3% YoY
+11.2% QoQ
|
+52.34% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
37.44%
+12.8% YoY
+8.7% QoQ
|
+16.39% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Top 6% in tier |
| Nonperforming Asset Ratio ? |
1.09%
+37.0% YoY
-16.6% QoQ
|
+0.59% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
17% |
| Tier 1 Capital Ratio ? |
15.68%
+15.0% YoY
+11.2% QoQ
|
+5.44% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
81% |
| Non-Interest Income / Assets ? |
1.78%
+17.2% YoY
+39.6% QoQ
|
+1.04% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
Top 5% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#103 of 371 · Top 28% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.78%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
0.80%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Non-Interest-Bearing Deposit Share
metric
Top 6%
in Community
Why this stands out
Current:
37.44%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (3)
Credit Risk Growth
risk
#113 of 642 · Bottom 17% 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
Capital Constraint
risk
#40 of 47 · Bottom 85% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
135.40%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
15.68%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Bottom 4%
in Community
Why this stands out
Current:
2.31%
(Tier avg: 3.66%, National avg: 3.75%)
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
Non-Interest Income / Assets
Current: 1.78% · Tier avg: 0.74%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 37.44% · Tier avg: 21.05%
81
81th pctile
Tier 1 Capital Ratio
Current: 15.68% · Tier avg: 10.24%
71
71th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
67
67th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
47
47th pctile
Total Deposits
Current: $808.0M · Tier avg: $1.2B
47
47th pctile
Efficiency Ratio
Current: 63.23% · Tier avg: 62.63%
24
24th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.16%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.09% · Tier avg: 0.50%
17
17th pctile
Delinquency Rate
Current: 1.42% · Tier avg: 0.63%
4
4th pctile
Net Interest Margin
Current: 2.31% · Tier avg: 3.66%
0
0th pctile
Loan-to-Deposit Ratio
Current: 135.40% · Tier avg: 83.06%
Top Weaknesses
0
0th pctile
Loan-to-Deposit Ratio
Current: 135.40% · Tier avg: 83.06%
4
4th pctile
Net Interest Margin
Current: 2.31% · Tier avg: 3.66%
17
17th pctile
Delinquency Rate
Current: 1.42% · Tier avg: 0.63%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.09% · Tier avg: 0.50%
24
24th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.16%
47
47th pctile
Efficiency Ratio
Current: 63.23% · Tier avg: 62.63%
47
47th pctile
Total Deposits
Current: $808.0M · Tier avg: $1.2B
67
67th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
71
71th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
81
81th pctile
Tier 1 Capital Ratio
Current: 15.68% · Tier avg: 10.24%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 37.44% · Tier avg: 21.05%
95
95th pctile
Non-Interest Income / Assets
Current: 1.78% · Tier avg: 0.74%