BlastPoint's Banking Scorecard
Bank of Deerfield
Micro
Specialty: Commercial
WI
FDIC cert 2477
Designations: ✓ Community bank
Deerfield, WI
2498
banks in Micro tier nationally
88 in WI
View Micro leaderboard (WI) →
Bank of Deerfield 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
- - Loan-to-Deposit Ratio 28.70% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$261.2M
+12.0% YoY
+2.9% QoQ
|
+$43.7M |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
64% |
| Total Loans ? |
$231.0M
+12.9% YoY
+2.8% QoQ
|
+$91.9M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
81% |
| Total Deposits ? |
$223.8M
+13.0% YoY
+3.8% QoQ
|
+$40.1M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
66% |
| Return on Assets ? |
1.65%
+3.9% YoY
-1.8% QoQ
|
+0.56% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
81% |
| Net Interest Margin ? |
4.19%
+9.6% YoY
+0.9% QoQ
|
+0.33% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
67% |
| Efficiency Ratio ? |
60.31%
+2.7% YoY
+0.5% QoQ
|
-7.41% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
66% |
| Delinquency Rate ? |
0.12%
-72.9% YoY
+2.1% QoQ
|
-0.52% |
0.64%
+24.4% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
103.23%
-0.0% YoY
-1.0% QoQ
|
+28.70% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.63%
-11.8% YoY
+5.8% QoQ
|
-6.76% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.11%
-72.7% YoY
+1.9% QoQ
|
-0.35% |
0.45%
+25.1% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
67% |
| Tier 1 Capital Ratio ? |
12.46%
-0.6% YoY
-1.6% QoQ
|
+3.60% |
8.85%
-3.4% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.36%
-22.7% YoY
+28.1% QoQ
|
-0.21% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
103.23%
(Tier avg: 74.53%, National avg: 78.04%)
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
81
81th pctile
Total Loans
Current: $231.0M · Tier avg: $139.2M
81
81th pctile
Return on Assets
Current: 1.65% · Tier avg: 1.08%
69
69th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.64%
67
67th pctile
Net Interest Margin
Current: 4.19% · Tier avg: 3.85%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
66
66th pctile
Efficiency Ratio
Current: 60.31% · Tier avg: 67.73%
66
66th pctile
Total Deposits
Current: $223.8M · Tier avg: $183.7M
64
64th pctile
Total Assets
Current: $261.2M · Tier avg: $217.5M
61
61th pctile
Tier 1 Capital Ratio
Current: 12.46% · Tier avg: 8.85%
50
50th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.63% · Tier avg: 22.39%
6
6th pctile
Loan-to-Deposit Ratio
Current: 103.23% · Tier avg: 74.53%
Top Weaknesses
6
6th pctile
Loan-to-Deposit Ratio
Current: 103.23% · Tier avg: 74.53%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.63% · Tier avg: 22.39%
50
50th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
61
61th pctile
Tier 1 Capital Ratio
Current: 12.46% · Tier avg: 8.85%
64
64th pctile
Total Assets
Current: $261.2M · Tier avg: $217.5M
66
66th pctile
Total Deposits
Current: $223.8M · Tier avg: $183.7M
66
66th pctile
Efficiency Ratio
Current: 60.31% · Tier avg: 67.73%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
67
67th pctile
Net Interest Margin
Current: 4.19% · Tier avg: 3.85%
69
69th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.64%
81
81th pctile
Return on Assets
Current: 1.65% · Tier avg: 1.08%
81
81th pctile
Total Loans
Current: $231.0M · Tier avg: $139.2M