BlastPoint's Banking Scorecard
John Deere Financial, f.s.b.
Community
Specialty: Agricultural
WI
FDIC cert 35237
Middleton, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
John Deere Financial, f.s.b. has 4 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 5% in Community
- + Return on Assets 2.70% above tier
- + Net Interest Margin 3.09% above tier
- + Efficiency Ratio 39.30% below tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 10% in Community
- - Deposit Outflow: Bottom 21% in Community
- - Liquidity Strain: Bottom 42% in Community
- - Margin Compression: Bottom 57% in Community
- - Non-Interest-Bearing Deposit Share 20.00% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.4B
-1.2% YoY
-28.9% QoQ
|
+$2.0B |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
Top 6% in tier |
| Total Loans ? |
$3.4B
-1.3% YoY
-29.4% QoQ
|
+$2.4B |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
Top 2% in tier |
| Total Deposits ? |
$1.3B
-5.2% YoY
-21.9% QoQ
|
+$109.2M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
70% |
| Return on Assets ? |
3.87%
-9.4% YoY
+18.2% QoQ
|
+2.70% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
6.76%
-8.3% YoY
+7.5% QoQ
|
+3.09% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
23.33%
-11.6% YoY
-2.4% QoQ
|
-39.30% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
0.37%
-13.8% YoY
+30.1% QoQ
|
-0.25% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
264.12%
+4.1% YoY
-9.6% QoQ
|
+181.06% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
- |
| Non-Interest-Bearing Deposit Share ? |
1.05%
+9.4% YoY
+59.9% QoQ
|
-20.00% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 1% in tier |
| Nonperforming Asset Ratio ? |
0.37%
-13.9% YoY
+29.3% QoQ
|
-0.13% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
48% |
| 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 ? |
2.23%
-1.1% YoY
+84.2% QoQ
|
+1.49% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
Top 4% in tier |
Signature Analysis
Strengths (4)
Revenue Diversifier
growth
#18 of 371 · Top 5% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
2.23%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
3.87%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Top 1%
in Community
Why this stands out
Current:
3.87%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Top 1%
in Community
Why this stands out
Current:
6.76%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Top 1%
in Community
Why this stands out
Current:
23.33%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (5)
Capital Thin
risk
#45 of 432 · Bottom 10% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Deposit Outflow
decline
#52 of 248 · Bottom 21% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Liquidity Strain
risk
#214 of 513 · Bottom 42% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
264.12%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Margin Compression
decline
#69 of 120 · Bottom 57% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
3.87%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
Non-Interest-Bearing Deposit Share
metric
Bottom 1%
in Community
Why this stands out
Current:
1.05%
(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
Return on Assets
Current: 3.87% · Tier avg: 1.16%
100
100th pctile
Efficiency Ratio
Current: 23.33% · Tier avg: 62.63%
99
99th pctile
Net Interest Margin
Current: 6.76% · Tier avg: 3.66%
98
98th pctile
Total Loans
Current: $3.4B · Tier avg: $975.5M
96
96th pctile
Non-Interest Income / Assets
Current: 2.23% · Tier avg: 0.74%
94
94th pctile
Total Assets
Current: $3.4B · Tier avg: $1.4B
70
70th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
55
55th pctile
Delinquency Rate
Current: 0.37% · Tier avg: 0.63%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
1
1th pctile
Non-Interest-Bearing Deposit Share
Current: 1.05% · Tier avg: 21.05%
Top Weaknesses
1
1th pctile
Non-Interest-Bearing Deposit Share
Current: 1.05% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.50%
55
55th pctile
Delinquency Rate
Current: 0.37% · Tier avg: 0.63%
70
70th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
94
94th pctile
Total Assets
Current: $3.4B · Tier avg: $1.4B
96
96th pctile
Non-Interest Income / Assets
Current: 2.23% · Tier avg: 0.74%
98
98th pctile
Total Loans
Current: $3.4B · Tier avg: $975.5M
99
99th pctile
Net Interest Margin
Current: 6.76% · Tier avg: 3.66%
100
100th pctile
Efficiency Ratio
Current: 23.33% · Tier avg: 62.63%
100
100th pctile
Return on Assets
Current: 3.87% · Tier avg: 1.16%