BlastPoint's Banking Scorecard
Superior Savings Bank
Micro
Specialty: Mortgage
WI
FDIC cert 28790
Designations: ✓ Community bank ✓ Mutual
Superior, WI
2498
banks in Micro tier nationally
88 in WI
View Micro leaderboard (WI) →
Superior Savings Bank faces 2 concerns 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 28.34% above tier
- - Non-Interest-Bearing Deposit Share 13.95% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$93.8M
+7.5% YoY
+3.2% QoQ
|
-$123.7M |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
21% |
| Total Loans ? |
$79.3M
+8.1% YoY
+6.4% QoQ
|
-$59.8M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
34% |
| Total Deposits ? |
$77.1M
+11.4% YoY
+3.8% QoQ
|
-$106.5M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
20% |
| Return on Assets ? |
0.64%
-13.7% YoY
+16.6% QoQ
|
-0.44% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
24% |
| Net Interest Margin ? |
3.91%
-7.1% YoY
+0.7% QoQ
|
+0.06% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
55% |
| Efficiency Ratio ? |
76.73%
+4.3% YoY
-3.4% QoQ
|
+9.01% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
25% |
| Delinquency Rate ? |
1.38%
-6.2% YoY
+11.4% QoQ
|
+0.74% |
0.64%
+24.4% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
102.87%
-3.0% YoY
+2.4% QoQ
|
+28.34% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.44%
-37.1% YoY
-12.2% QoQ
|
-13.95% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 9% in tier |
| Nonperforming Asset Ratio ? |
1.17%
-5.7% YoY
+14.8% QoQ
|
+0.72% |
0.45%
+25.1% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
16% |
| 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 ? |
0.46%
-6.5% YoY
+36.8% QoQ
|
-0.11% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
64% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Loan-to-Deposit Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
102.87%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 9%
in Micro
Why this stands out
Current:
8.44%
(Tier avg: 22.39%, National avg: 21.79%)
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
64
64th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
55
55th pctile
Net Interest Margin
Current: 3.91% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
34
34th pctile
Total Loans
Current: $79.3M · Tier avg: $139.2M
25
25th pctile
Efficiency Ratio
Current: 76.73% · Tier avg: 67.73%
24
24th pctile
Return on Assets
Current: 0.64% · Tier avg: 1.08%
21
21th pctile
Delinquency Rate
Current: 1.38% · Tier avg: 0.64%
21
21th pctile
Total Assets
Current: $93.8M · Tier avg: $217.5M
20
20th pctile
Total Deposits
Current: $77.1M · Tier avg: $183.7M
16
16th pctile
Nonperforming Asset Ratio
Current: 1.17% · Tier avg: 0.45%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.44% · Tier avg: 22.39%
7
7th pctile
Loan-to-Deposit Ratio
Current: 102.87% · Tier avg: 74.53%
Top Weaknesses
7
7th pctile
Loan-to-Deposit Ratio
Current: 102.87% · Tier avg: 74.53%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.44% · Tier avg: 22.39%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.17% · Tier avg: 0.45%
20
20th pctile
Total Deposits
Current: $77.1M · Tier avg: $183.7M
21
21th pctile
Total Assets
Current: $93.8M · Tier avg: $217.5M
21
21th pctile
Delinquency Rate
Current: 1.38% · Tier avg: 0.64%
24
24th pctile
Return on Assets
Current: 0.64% · Tier avg: 1.08%
25
25th pctile
Efficiency Ratio
Current: 76.73% · Tier avg: 67.73%
34
34th pctile
Total Loans
Current: $79.3M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Net Interest Margin
Current: 3.91% · Tier avg: 3.85%
64
64th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%