BlastPoint's Banking Scorecard
First Federal Bank of Wisconsin
Micro
Specialty: Commercial
WI
FDIC cert 30422
Designations: ✓ Community bank
Waukesha, WI
2498
banks in Micro tier nationally
88 in WI
View Micro leaderboard (WI) →
First Federal Bank of Wisconsin demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 28.69% above tier
- + Tier 1 Capital Ratio 16.22% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$275.7M
-4.1% YoY
+0.1% QoQ
|
+$58.2M |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
67% |
| Total Loans ? |
$216.2M
-3.7% YoY
+0.6% QoQ
|
+$77.0M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
78% |
| Total Deposits ? |
$209.4M
-2.2% YoY
-0.1% QoQ
|
+$25.8M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
62% |
| Return on Assets ? |
0.98%
+13.2% YoY
+13.7% QoQ
|
-0.11% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
44% |
| Net Interest Margin ? |
4.46%
+15.5% YoY
+2.2% QoQ
|
+0.61% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
78% |
| Efficiency Ratio ? |
74.09%
+0.9% YoY
-3.9% QoQ
|
+6.37% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
30% |
| Delinquency Rate ? |
0.02%
-77.5% YoY
-3.3% QoQ
|
-0.62% |
0.64%
+24.4% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
103.21%
-1.6% YoY
+0.7% QoQ
|
+28.69% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Top 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.51%
+8.4% YoY
-3.9% QoQ
|
+3.12% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.01%
-77.4% YoY
-2.8% QoQ
|
-0.44% |
0.45%
+25.1% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
80% |
| Tier 1 Capital Ratio ? |
25.07%
-6.4% YoY
+2.8% QoQ
|
+16.22% |
8.85%
-3.4% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
0.38%
+4.7% YoY
+44.2% QoQ
|
-0.18% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
53% |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
103.21%
(Tier avg: 74.53%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
25.07%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (0)
No concerns identified
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
94
94th pctile
Loan-to-Deposit Ratio
Current: 103.21% · Tier avg: 74.53%
93
93th pctile
Tier 1 Capital Ratio
Current: 25.07% · Tier avg: 8.85%
80
80th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
78
78th pctile
Net Interest Margin
Current: 4.46% · Tier avg: 3.85%
78
78th pctile
Total Loans
Current: $216.2M · Tier avg: $139.2M
67
67th pctile
Total Assets
Current: $275.7M · Tier avg: $217.5M
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 25.51% · Tier avg: 22.39%
62
62th pctile
Total Deposits
Current: $209.4M · Tier avg: $183.7M
53
53th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
44
44th pctile
Return on Assets
Current: 0.98% · Tier avg: 1.08%
30
30th pctile
Efficiency Ratio
Current: 74.09% · Tier avg: 67.73%
Top Weaknesses
30
30th pctile
Efficiency Ratio
Current: 74.09% · Tier avg: 67.73%
44
44th pctile
Return on Assets
Current: 0.98% · Tier avg: 1.08%
53
53th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
62
62th pctile
Total Deposits
Current: $209.4M · Tier avg: $183.7M
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 25.51% · Tier avg: 22.39%
67
67th pctile
Total Assets
Current: $275.7M · Tier avg: $217.5M
78
78th pctile
Total Loans
Current: $216.2M · Tier avg: $139.2M
78
78th pctile
Net Interest Margin
Current: 4.46% · Tier avg: 3.85%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
80
80th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
93
93th pctile
Tier 1 Capital Ratio
Current: 25.07% · Tier avg: 8.85%
94
94th pctile
Loan-to-Deposit Ratio
Current: 103.21% · Tier avg: 74.53%