BlastPoint's Banking Scorecard
East Wisconsin Savings Bank
Micro
Specialty: Mortgage
WI
FDIC cert 30313
Designations: ✓ Community bank
Kaukauna, WI
2498
banks in Micro tier nationally
88 in WI
View Micro leaderboard (WI) →
East Wisconsin 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 2.49% below tier
- - Net Interest Margin 2.08% below tier
- - Efficiency Ratio 45.29% above tier
- - Non-Interest-Bearing Deposit Share 18.84% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$270.5M
-0.9% YoY
-3.3% QoQ
|
+$53.0M |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
66% |
| Total Loans ? |
$189.5M
+1.7% YoY
-3.7% QoQ
|
+$50.3M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
71% |
| Total Deposits ? |
$217.9M
-6.2% YoY
-1.4% QoQ
|
+$34.2M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
64% |
| Return on Assets ? |
-1.40%
-126.6% YoY
+27.3% QoQ
|
-2.49% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 2% in tier |
| Net Interest Margin ? |
1.78%
+30.1% YoY
+4.9% QoQ
|
-2.08% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
113.01%
-20.4% YoY
-7.3% QoQ
|
+45.29% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 2% in tier |
| Delinquency Rate ? | 0.16% | -0.48% |
0.64%
+24.4% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
86.99%
+8.4% YoY
-2.3% QoQ
|
+12.46% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
3.55%
-34.0% YoY
-18.0% QoQ
|
-18.84% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? | 0.11% | -0.34% |
0.45%
+25.1% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
66% |
| Tier 1 Capital Ratio ? |
10.84%
-7.8% YoY
+4.5% QoQ
|
+1.98% |
8.85%
-3.4% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.67%
+4.1% YoY
+63.0% QoQ
|
+0.11% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
81% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Return on Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
-1.40%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 1%
in Micro
Why this stands out
Current:
1.78%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
113.01%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Micro
Why this stands out
Current:
3.55%
(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
81
81th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.56%
71
71th pctile
Total Loans
Current: $189.5M · Tier avg: $139.2M
71
71th pctile
Loan-to-Deposit Ratio
Current: 86.99% · Tier avg: 74.53%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
66
66th pctile
Total Assets
Current: $270.5M · Tier avg: $217.5M
66
66th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.64%
64
64th pctile
Total Deposits
Current: $217.9M · Tier avg: $183.7M
54
54th pctile
Tier 1 Capital Ratio
Current: 10.84% · Tier avg: 8.85%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.55% · Tier avg: 22.39%
2
2th pctile
Efficiency Ratio
Current: 113.01% · Tier avg: 67.73%
2
2th pctile
Return on Assets
Current: -1.40% · Tier avg: 1.08%
1
1th pctile
Net Interest Margin
Current: 1.78% · Tier avg: 3.85%
Top Weaknesses
1
1th pctile
Net Interest Margin
Current: 1.78% · Tier avg: 3.85%
2
2th pctile
Return on Assets
Current: -1.40% · Tier avg: 1.08%
2
2th pctile
Efficiency Ratio
Current: 113.01% · Tier avg: 67.73%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.55% · Tier avg: 22.39%
54
54th pctile
Tier 1 Capital Ratio
Current: 10.84% · Tier avg: 8.85%
64
64th pctile
Total Deposits
Current: $217.9M · Tier avg: $183.7M
66
66th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.64%
66
66th pctile
Total Assets
Current: $270.5M · Tier avg: $217.5M
66
66th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
71
71th pctile
Loan-to-Deposit Ratio
Current: 86.99% · Tier avg: 74.53%
71
71th pctile
Total Loans
Current: $189.5M · Tier avg: $139.2M
81
81th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.56%