BlastPoint's Banking Scorecard
Town Bank, National Association
Community
Specialty: Commercial
WI
FDIC cert 34717
Hartland, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
Town Bank, National Association shows strong momentum with 2 strengths and 8.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 44% in Community
- + Efficiency Ratio 19.09% below 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 ? |
$4.5B
+8.1% YoY
-1.1% QoQ
|
+$3.1B |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$3.3B
+9.1% YoY
-0.8% QoQ
|
+$2.3B |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
Top 2% in tier |
| Total Deposits ? |
$3.7B
+7.5% YoY
-2.2% QoQ
|
+$2.6B |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
Top 2% in tier |
| Return on Assets ? |
1.27%
+23.2% YoY
-1.3% QoQ
|
+0.11% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
61% |
| Net Interest Margin ? |
3.13%
+6.9% YoY
-0.2% QoQ
|
-0.53% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
22% |
| Efficiency Ratio ? |
43.54%
-12.1% YoY
-0.6% QoQ
|
-19.09% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? |
0.15%
-39.7% YoY
-7.3% QoQ
|
-0.47% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
88.81%
+1.5% YoY
+1.5% QoQ
|
+5.75% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
19.70%
-4.7% YoY
+4.4% QoQ
|
-1.34% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.14%
-25.0% YoY
-5.6% QoQ
|
-0.36% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
72% |
| Tier 1 Capital Ratio ? |
11.38%
+5.7% YoY
+2.9% QoQ
|
+1.13% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.35%
-2.6% YoY
+36.1% QoQ
|
-0.39% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
30% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#165 of 371 · Top 44% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.15%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
Efficiency Ratio
metric
Top 7%
in Community
Why this stands out
Current:
43.54%
(Tier avg: 62.63%, National avg: 65.09%)
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
99
99th pctile
Total Assets
Current: $4.5B · Tier avg: $1.4B
98
98th pctile
Total Deposits
Current: $3.7B · Tier avg: $1.2B
98
98th pctile
Total Loans
Current: $3.3B · Tier avg: $975.5M
93
93th pctile
Efficiency Ratio
Current: 43.54% · Tier avg: 62.63%
76
76th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.63%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
62
62th pctile
Loan-to-Deposit Ratio
Current: 88.81% · Tier avg: 83.06%
61
61th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.16%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 19.70% · Tier avg: 21.05%
40
40th pctile
Tier 1 Capital Ratio
Current: 11.38% · Tier avg: 10.24%
30
30th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.74%
22
22th pctile
Net Interest Margin
Current: 3.13% · Tier avg: 3.66%
Top Weaknesses
22
22th pctile
Net Interest Margin
Current: 3.13% · Tier avg: 3.66%
30
30th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.74%
40
40th pctile
Tier 1 Capital Ratio
Current: 11.38% · Tier avg: 10.24%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 19.70% · Tier avg: 21.05%
61
61th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.16%
62
62th pctile
Loan-to-Deposit Ratio
Current: 88.81% · Tier avg: 83.06%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
76
76th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.63%
93
93th pctile
Efficiency Ratio
Current: 43.54% · Tier avg: 62.63%
98
98th pctile
Total Loans
Current: $3.3B · Tier avg: $975.5M
98
98th pctile
Total Deposits
Current: $3.7B · Tier avg: $1.2B
99
99th pctile
Total Assets
Current: $4.5B · Tier avg: $1.4B