BlastPoint's Banking Scorecard
PyraMax Bank, FSB
Community
Specialty: Commercial
WI
FDIC cert 29120
Greenfield, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
PyraMax Bank, FSB demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 25.63% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$597.8M
+4.7% YoY
-2.8% QoQ
|
-$793.6M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
Bottom 14% in tier |
| Total Loans ? |
$440.0M
+6.0% YoY
-0.9% QoQ
|
-$535.5M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
21% |
| Total Deposits ? |
$404.8M
-0.2% YoY
-4.2% QoQ
|
-$759.8M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
0.49%
+454.9% YoY
+9.9% QoQ
|
-0.67% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 11% in tier |
| Net Interest Margin ? |
2.75%
+14.6% YoY
+1.6% QoQ
|
-0.91% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
Bottom 10% in tier |
| Efficiency Ratio ? |
79.24%
-17.0% YoY
-1.1% QoQ
|
+16.61% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 11% in tier |
| Delinquency Rate ? |
0.29%
-29.2% YoY
-4.7% QoQ
|
-0.34% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
108.69%
+6.2% YoY
+3.5% QoQ
|
+25.63% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Top 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.34%
-12.1% YoY
-7.7% QoQ
|
-2.71% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
41% |
| Nonperforming Asset Ratio ? |
0.21%
-28.3% YoY
-2.8% QoQ
|
-0.29% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
63% |
| Tier 1 Capital Ratio ? |
14.15%
-2.7% YoY
+3.0% QoQ
|
+3.91% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.42%
-4.6% YoY
+41.0% QoQ
|
-0.32% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
37% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 4%
in Community
Why this stands out
Current:
108.69%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (0)
No concerns identified
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
96
96th pctile
Loan-to-Deposit Ratio
Current: 108.69% · Tier avg: 83.06%
70
70th pctile
Tier 1 Capital Ratio
Current: 14.15% · Tier avg: 10.24%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
62
62th pctile
Delinquency Rate
Current: 0.29% · Tier avg: 0.63%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 18.34% · Tier avg: 21.05%
37
37th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.74%
21
21th pctile
Total Loans
Current: $440.0M · Tier avg: $975.5M
14
14th pctile
Total Assets
Current: $597.8M · Tier avg: $1.4B
11
11th pctile
Efficiency Ratio
Current: 79.24% · Tier avg: 62.63%
11
11th pctile
Return on Assets
Current: 0.49% · Tier avg: 1.16%
10
10th pctile
Net Interest Margin
Current: 2.75% · Tier avg: 3.66%
1
1th pctile
Total Deposits
Current: $404.8M · Tier avg: $1.2B
Top Weaknesses
1
1th pctile
Total Deposits
Current: $404.8M · Tier avg: $1.2B
10
10th pctile
Net Interest Margin
Current: 2.75% · Tier avg: 3.66%
11
11th pctile
Return on Assets
Current: 0.49% · Tier avg: 1.16%
11
11th pctile
Efficiency Ratio
Current: 79.24% · Tier avg: 62.63%
14
14th pctile
Total Assets
Current: $597.8M · Tier avg: $1.4B
21
21th pctile
Total Loans
Current: $440.0M · Tier avg: $975.5M
37
37th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.74%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 18.34% · Tier avg: 21.05%
62
62th pctile
Delinquency Rate
Current: 0.29% · Tier avg: 0.63%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
70
70th pctile
Tier 1 Capital Ratio
Current: 14.15% · Tier avg: 10.24%
96
96th pctile
Loan-to-Deposit Ratio
Current: 108.69% · Tier avg: 83.06%