BlastPoint's Banking Scorecard
KeySavings Bank
Micro
Specialty: Mortgage
WI
FDIC cert 29691
Designations: ✓ Community bank ✓ Mutual
Wisconsin Rapids, WI
2498
banks in Micro tier nationally
88 in WI
View Micro leaderboard (WI) →
KeySavings Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 18.94% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$127.8M
+10.2% YoY
+1.5% QoQ
|
-$89.6M |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
31% |
| Total Loans ? |
$76.9M
+20.4% YoY
+3.0% QoQ
|
-$62.3M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
32% |
| Total Deposits ? |
$96.6M
+9.7% YoY
-1.3% QoQ
|
-$87.0M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
27% |
| Return on Assets ? |
0.40%
+310.3% YoY
-7.2% QoQ
|
-0.68% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
15% |
| Net Interest Margin ? |
3.03%
+18.9% YoY
+0.8% QoQ
|
-0.82% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
17% |
| Efficiency Ratio ? |
84.14%
-8.8% YoY
+1.9% QoQ
|
+16.41% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 14% in tier |
| Delinquency Rate ? | 0.90% | +0.26% |
0.64%
+24.4% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
79.58%
+9.7% YoY
+4.4% QoQ
|
+5.05% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
3.46%
+31.7% YoY
+12.8% QoQ
|
-18.94% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? | 0.54% | +0.09% |
0.45%
+25.1% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
35% |
| 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 ? |
0.37%
+5.3% YoY
+45.0% QoQ
|
-0.19% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
52% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Micro
Why this stands out
Current:
3.46%
(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
52
52th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
44
44th pctile
Loan-to-Deposit Ratio
Current: 79.58% · Tier avg: 74.53%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.54% · Tier avg: 0.45%
32
32th pctile
Total Loans
Current: $76.9M · Tier avg: $139.2M
31
31th pctile
Delinquency Rate
Current: 0.90% · Tier avg: 0.64%
31
31th pctile
Total Assets
Current: $127.8M · Tier avg: $217.5M
27
27th pctile
Total Deposits
Current: $96.6M · Tier avg: $183.7M
17
17th pctile
Net Interest Margin
Current: 3.03% · Tier avg: 3.85%
15
15th pctile
Return on Assets
Current: 0.40% · Tier avg: 1.08%
14
14th pctile
Efficiency Ratio
Current: 84.14% · Tier avg: 67.73%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.46% · Tier avg: 22.39%
Top Weaknesses
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.46% · Tier avg: 22.39%
14
14th pctile
Efficiency Ratio
Current: 84.14% · Tier avg: 67.73%
15
15th pctile
Return on Assets
Current: 0.40% · Tier avg: 1.08%
17
17th pctile
Net Interest Margin
Current: 3.03% · Tier avg: 3.85%
27
27th pctile
Total Deposits
Current: $96.6M · Tier avg: $183.7M
31
31th pctile
Total Assets
Current: $127.8M · Tier avg: $217.5M
31
31th pctile
Delinquency Rate
Current: 0.90% · Tier avg: 0.64%
32
32th pctile
Total Loans
Current: $76.9M · Tier avg: $139.2M
35
35th pctile
Nonperforming Asset Ratio
Current: 0.54% · Tier avg: 0.45%
44
44th pctile
Loan-to-Deposit Ratio
Current: 79.58% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.56%