BlastPoint's Banking Scorecard
Prevail Bank
Community
Specialty: Commercial
WI
FDIC cert 29294
Medford, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
Prevail Bank faces 8 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 13% in Community
- - Flatlined Growth: Bottom 14% in Community
- - Capital Thin: Bottom 23% in Community
- - Credit Risk Growth: Bottom 30% in Community
- - Liquidity Strain: Bottom 49% in Community
- - Return on Assets 0.81% below tier
- - Net Interest Margin 1.16% below tier
- - Non-Interest-Bearing Deposit Share 11.25% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$979.2M
+1.5% YoY
+0.1% QoQ
|
-$412.2M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
48% |
| Total Loans ? |
$721.3M
+7.6% YoY
+1.4% QoQ
|
-$254.2M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
51% |
| Total Deposits ? |
$748.2M
+0.6% YoY
+1.0% QoQ
|
-$416.5M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
42% |
| Return on Assets ? |
0.36%
+472.6% YoY
+33.2% QoQ
|
-0.81% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
2.50%
+25.3% YoY
+3.2% QoQ
|
-1.16% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
79.38%
-15.8% YoY
-4.4% QoQ
|
+16.75% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 11% in tier |
| Delinquency Rate ? |
0.16%
+34.5% YoY
-2.1% QoQ
|
-0.47% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
96.40%
+7.0% YoY
+0.4% QoQ
|
+13.34% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
9.79%
-0.1% YoY
+0.3% QoQ
|
-11.25% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 10% in tier |
| Nonperforming Asset Ratio ? |
0.12%
+42.5% YoY
-0.8% QoQ
|
-0.38% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
75% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-10.24% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.25%
+8.5% YoY
+35.3% QoQ
|
-0.49% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
17% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (8)
Credit Quality Pressure
risk
#107 of 808 · Bottom 13% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.16%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Flatlined Growth
risk
#34 of 245 · Bottom 14% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.36%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Capital Thin
risk
#101 of 432 · Bottom 23% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#191 of 642 · Bottom 30% 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 declining
Liquidity Strain
risk
#251 of 513 · Bottom 49% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
96.40%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Return on Assets
metric
Bottom 7%
in Community
Why this stands out
Current:
0.36%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 6%
in Community
Why this stands out
Current:
2.50%
(Tier avg: 3.66%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 10%
in Community
Why this stands out
Current:
9.79%
(Tier avg: 21.05%, 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
75
75th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
51
51th pctile
Total Loans
Current: $721.3M · Tier avg: $975.5M
48
48th pctile
Total Assets
Current: $979.2M · Tier avg: $1.4B
42
42th pctile
Total Deposits
Current: $748.2M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
20
20th pctile
Loan-to-Deposit Ratio
Current: 96.40% · Tier avg: 83.06%
17
17th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.74%
11
11th pctile
Efficiency Ratio
Current: 79.38% · Tier avg: 62.63%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 9.79% · Tier avg: 21.05%
7
7th pctile
Return on Assets
Current: 0.36% · Tier avg: 1.16%
6
6th pctile
Net Interest Margin
Current: 2.50% · Tier avg: 3.66%
Top Weaknesses
6
6th pctile
Net Interest Margin
Current: 2.50% · Tier avg: 3.66%
7
7th pctile
Return on Assets
Current: 0.36% · Tier avg: 1.16%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 9.79% · Tier avg: 21.05%
11
11th pctile
Efficiency Ratio
Current: 79.38% · Tier avg: 62.63%
17
17th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.74%
20
20th pctile
Loan-to-Deposit Ratio
Current: 96.40% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
42
42th pctile
Total Deposits
Current: $748.2M · Tier avg: $1.2B
48
48th pctile
Total Assets
Current: $979.2M · Tier avg: $1.4B
51
51th pctile
Total Loans
Current: $721.3M · Tier avg: $975.5M
75
75th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
75
75th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%