BlastPoint's Banking Scorecard
The First National Bank of Bangor
Micro
Specialty: Commercial
WI
FDIC cert 5337
Designations: ✓ Community bank
Bangor, WI
2498
banks in Micro tier nationally
88 in WI
View Micro leaderboard (WI) →
The First National Bank of Bangor shows strong momentum with 4 strengths and 7.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 2.04% above tier
- + Net Interest Margin 1.25% above tier
- + Efficiency Ratio 50.06% below tier
- + Loan-to-Deposit Ratio 51.48% 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 ? |
$381.8M
+7.3% YoY
+4.9% QoQ
|
+$164.3M |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
Top 14% in tier |
| Total Loans ? |
$315.1M
+8.0% YoY
+2.1% QoQ
|
+$176.0M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
Top 6% in tier |
| Total Deposits ? |
$250.1M
+7.0% YoY
+12.1% QoQ
|
+$66.4M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
71% |
| Return on Assets ? |
3.12%
+1.7% YoY
-4.6% QoQ
|
+2.04% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
5.10%
+15.1% YoY
+0.8% QoQ
|
+1.25% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
Top 8% in tier |
| Efficiency Ratio ? |
17.67%
-7.7% YoY
+0.2% QoQ
|
-50.06% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
0.88%
+44.5% QoQ
|
+0.24% |
0.64%
+24.4% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
126.01%
+1.0% YoY
-8.9% QoQ
|
+51.48% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.86%
+5.7% YoY
+0.3% QoQ
|
-1.53% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.77%
+792.4% YoY
+36.8% QoQ
|
+0.32% |
0.45%
+25.1% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
26% |
| 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 ? |
0.13%
+14.3% YoY
+19.6% QoQ
|
-0.43% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 12% in tier |
Signature Analysis
Strengths (4)
Return on Assets
metric
Top 1%
in Micro
Why this stands out
Current:
3.12%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 8%
in Micro
Why this stands out
Current:
5.10%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
17.67%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
126.01%
(Tier avg: 74.53%, National avg: 78.04%)
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
100
100th pctile
Efficiency Ratio
Current: 17.67% · Tier avg: 67.73%
99
99th pctile
Loan-to-Deposit Ratio
Current: 126.01% · Tier avg: 74.53%
99
99th pctile
Return on Assets
Current: 3.12% · Tier avg: 1.08%
94
94th pctile
Total Loans
Current: $315.1M · Tier avg: $139.2M
92
92th pctile
Net Interest Margin
Current: 5.10% · Tier avg: 3.85%
86
86th pctile
Total Assets
Current: $381.8M · Tier avg: $217.5M
71
71th pctile
Total Deposits
Current: $250.1M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 20.86% · Tier avg: 22.39%
32
32th pctile
Delinquency Rate
Current: 0.88% · Tier avg: 0.64%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.77% · Tier avg: 0.45%
12
12th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
Top Weaknesses
12
12th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.77% · Tier avg: 0.45%
32
32th pctile
Delinquency Rate
Current: 0.88% · Tier avg: 0.64%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 20.86% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
71
71th pctile
Total Deposits
Current: $250.1M · Tier avg: $183.7M
86
86th pctile
Total Assets
Current: $381.8M · Tier avg: $217.5M
92
92th pctile
Net Interest Margin
Current: 5.10% · Tier avg: 3.85%
94
94th pctile
Total Loans
Current: $315.1M · Tier avg: $139.2M
99
99th pctile
Return on Assets
Current: 3.12% · Tier avg: 1.08%
99
99th pctile
Loan-to-Deposit Ratio
Current: 126.01% · Tier avg: 74.53%
100
100th pctile
Efficiency Ratio
Current: 17.67% · Tier avg: 67.73%