BlastPoint's Banking Scorecard
Great Midwest Bank, S.S.B.
Community
Specialty: Mortgage
WI
FDIC cert 29657
Designations: ✓ Mutual
Brookfield, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
Great Midwest Bank, S.S.B. has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 67.82% above tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 38% in Community
- - Net Interest Margin 1.08% below tier
- - Non-Interest-Bearing Deposit Share 11.84% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+5.5% YoY
+3.4% QoQ
|
-$356.5M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
52% |
| Total Loans ? |
$919.2M
+5.7% YoY
+3.5% QoQ
|
-$56.3M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
65% |
| Total Deposits ? |
$609.2M
+2.8% YoY
-1.9% QoQ
|
-$555.4M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
29% |
| Return on Assets ? |
0.69%
+67.2% YoY
+3.3% QoQ
|
-0.48% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
19% |
| Net Interest Margin ? |
2.58%
+19.0% YoY
+2.8% QoQ
|
-1.08% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
Bottom 7% in tier |
| Efficiency Ratio ? |
66.35%
-13.0% YoY
-0.3% QoQ
|
+3.72% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
36% |
| Delinquency Rate ? |
0.47%
+198.1% YoY
-32.5% QoQ
|
-0.16% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
150.88%
+2.8% YoY
+5.5% QoQ
|
+67.82% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.20%
-4.8% YoY
-3.8% QoQ
|
-11.84% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 9% in tier |
| Nonperforming Asset Ratio ? |
0.42%
+198.7% YoY
-32.5% QoQ
|
-0.08% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
44% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.29%
-4.1% YoY
+31.2% QoQ
|
-0.45% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
21% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 1%
in Community
Why this stands out
Current:
150.88%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (3)
Credit Risk Growth
risk
#242 of 642 · Bottom 38% 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
Net Interest Margin
metric
Bottom 7%
in Community
Why this stands out
Current:
2.58%
(Tier avg: 3.66%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 9%
in Community
Why this stands out
Current:
9.20%
(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
100
100th pctile
Loan-to-Deposit Ratio
Current: 150.88% · Tier avg: 83.06%
65
65th pctile
Total Loans
Current: $919.2M · Tier avg: $975.5M
52
52th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
49
49th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.63%
44
44th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.50%
36
36th pctile
Efficiency Ratio
Current: 66.35% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29
29th pctile
Total Deposits
Current: $609.2M · Tier avg: $1.2B
21
21th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.74%
19
19th pctile
Return on Assets
Current: 0.69% · Tier avg: 1.16%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 9.20% · Tier avg: 21.05%
7
7th pctile
Net Interest Margin
Current: 2.58% · Tier avg: 3.66%
Top Weaknesses
7
7th pctile
Net Interest Margin
Current: 2.58% · Tier avg: 3.66%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 9.20% · Tier avg: 21.05%
19
19th pctile
Return on Assets
Current: 0.69% · Tier avg: 1.16%
21
21th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.74%
29
29th pctile
Total Deposits
Current: $609.2M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
36
36th pctile
Efficiency Ratio
Current: 66.35% · Tier avg: 62.63%
44
44th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.50%
49
49th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.63%
52
52th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
65
65th pctile
Total Loans
Current: $919.2M · Tier avg: $975.5M
100
100th pctile
Loan-to-Deposit Ratio
Current: 150.88% · Tier avg: 83.06%