BlastPoint's Banking Scorecard
Fox Valley Savings Bank
Micro
Specialty: Commercial
WI
FDIC cert 29188
Designations: ✓ Community bank
Fond Du Lac, WI
2498
banks in Micro tier nationally
88 in WI
View Micro leaderboard (WI) →
Fox Valley Savings Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 0.95% below tier
- - Net Interest Margin 1.48% below tier
- - Efficiency Ratio 31.09% above tier
- - Non-Interest-Bearing Deposit Share 15.02% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$388.4M
+2.7% YoY
+0.9% QoQ
|
+$170.9M |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
Top 13% in tier |
| Total Loans ? |
$247.7M
+15.3% YoY
+2.5% QoQ
|
+$108.5M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
84% |
| Total Deposits ? |
$309.0M
+1.5% YoY
+1.0% QoQ
|
+$125.3M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
83% |
| Return on Assets ? |
0.13%
+229.6% YoY
+40.8% QoQ
|
-0.95% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 8% in tier |
| Net Interest Margin ? |
2.37%
+17.0% YoY
+3.4% QoQ
|
-1.48% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
98.82%
-9.6% YoY
-2.2% QoQ
|
+31.09% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? |
0.30%
-25.9% YoY
-9.5% QoQ
|
-0.34% |
0.64%
+24.4% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
80.16%
+13.5% YoY
+1.5% QoQ
|
+5.64% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
7.38%
+19.2% YoY
+8.9% QoQ
|
-15.02% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 8% in tier |
| Nonperforming Asset Ratio ? |
0.19%
-16.8% YoY
-8.0% QoQ
|
-0.26% |
0.45%
+25.1% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
57% |
| 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 ? |
0.56%
-1.9% YoY
+36.3% QoQ
|
-0.01% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
74% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Return on Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.13%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 4%
in Micro
Why this stands out
Current:
2.37%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
98.82%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 8%
in Micro
Why this stands out
Current:
7.38%
(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
87
87th pctile
Total Assets
Current: $388.4M · Tier avg: $217.5M
84
84th pctile
Total Loans
Current: $247.7M · Tier avg: $139.2M
83
83th pctile
Total Deposits
Current: $309.0M · Tier avg: $183.7M
74
74th pctile
Non-Interest Income / Assets
Current: 0.56% · Tier avg: 0.56%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.45%
55
55th pctile
Delinquency Rate
Current: 0.30% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
42
42th pctile
Loan-to-Deposit Ratio
Current: 80.16% · Tier avg: 74.53%
8
8th pctile
Return on Assets
Current: 0.13% · Tier avg: 1.08%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.38% · Tier avg: 22.39%
5
5th pctile
Efficiency Ratio
Current: 98.82% · Tier avg: 67.73%
4
4th pctile
Net Interest Margin
Current: 2.37% · Tier avg: 3.85%
Top Weaknesses
4
4th pctile
Net Interest Margin
Current: 2.37% · Tier avg: 3.85%
5
5th pctile
Efficiency Ratio
Current: 98.82% · Tier avg: 67.73%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.38% · Tier avg: 22.39%
8
8th pctile
Return on Assets
Current: 0.13% · Tier avg: 1.08%
42
42th pctile
Loan-to-Deposit Ratio
Current: 80.16% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Delinquency Rate
Current: 0.30% · Tier avg: 0.64%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.45%
74
74th pctile
Non-Interest Income / Assets
Current: 0.56% · Tier avg: 0.56%
83
83th pctile
Total Deposits
Current: $309.0M · Tier avg: $183.7M
84
84th pctile
Total Loans
Current: $247.7M · Tier avg: $139.2M
87
87th pctile
Total Assets
Current: $388.4M · Tier avg: $217.5M