BlastPoint's Banking Scorecard
First National Community Bank
Micro
Specialty: Commercial
WI
FDIC cert 5357
Designations: ✓ Community bank
New Richmond, WI
2498
banks in Micro tier nationally
88 in WI
View Micro leaderboard (WI) →
First National Community Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.56% 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 ? |
$319.1M
-0.2% YoY
-3.0% QoQ
|
+$101.6M |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
75% |
| Total Loans ? |
$217.5M
+9.2% YoY
+3.0% QoQ
|
+$78.3M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
78% |
| Total Deposits ? |
$287.0M
+0.4% YoY
-3.2% QoQ
|
+$103.4M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
79% |
| Return on Assets ? |
0.90%
+29.9% YoY
+10.2% QoQ
|
-0.18% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
40% |
| Net Interest Margin ? |
3.47%
+18.6% YoY
+3.4% QoQ
|
-0.38% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
33% |
| Efficiency Ratio ? |
62.29%
-20.7% YoY
-17.0% QoQ
|
-5.43% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
61% |
| Delinquency Rate ? |
0.22%
-83.6% YoY
+1.9% QoQ
|
-0.42% |
0.64%
+24.4% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
75.77%
+8.7% YoY
+6.4% QoQ
|
+1.25% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
20.55%
+2.2% YoY
-10.8% QoQ
|
-1.84% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.15%
-82.0% YoY
+8.3% QoQ
|
-0.30% |
0.45%
+25.1% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
61% |
| Tier 1 Capital Ratio ? |
13.90%
-0.3% YoY
+0.1% QoQ
|
+5.04% |
8.85%
-3.4% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
68% |
| Non-Interest Income / Assets ? |
1.12%
+129.7% YoY
+227.2% QoQ
|
+0.56% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 7%
in Micro
Why this stands out
Current:
1.12%
(Tier avg: 0.56%, National avg: 0.65%)
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
93
93th pctile
Non-Interest Income / Assets
Current: 1.12% · Tier avg: 0.56%
79
79th pctile
Total Deposits
Current: $287.0M · Tier avg: $183.7M
78
78th pctile
Total Loans
Current: $217.5M · Tier avg: $139.2M
75
75th pctile
Total Assets
Current: $319.1M · Tier avg: $217.5M
68
68th pctile
Tier 1 Capital Ratio
Current: 13.90% · Tier avg: 8.85%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.45%
61
61th pctile
Efficiency Ratio
Current: 62.29% · Tier avg: 67.73%
60
60th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.64%
51
51th pctile
Loan-to-Deposit Ratio
Current: 75.77% · Tier avg: 74.53%
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 20.55% · Tier avg: 22.39%
40
40th pctile
Return on Assets
Current: 0.90% · Tier avg: 1.08%
33
33th pctile
Net Interest Margin
Current: 3.47% · Tier avg: 3.85%
Top Weaknesses
33
33th pctile
Net Interest Margin
Current: 3.47% · Tier avg: 3.85%
40
40th pctile
Return on Assets
Current: 0.90% · Tier avg: 1.08%
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 20.55% · Tier avg: 22.39%
51
51th pctile
Loan-to-Deposit Ratio
Current: 75.77% · Tier avg: 74.53%
60
60th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.64%
61
61th pctile
Efficiency Ratio
Current: 62.29% · Tier avg: 67.73%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.45%
68
68th pctile
Tier 1 Capital Ratio
Current: 13.90% · Tier avg: 8.85%
75
75th pctile
Total Assets
Current: $319.1M · Tier avg: $217.5M
78
78th pctile
Total Loans
Current: $217.5M · Tier avg: $139.2M
79
79th pctile
Total Deposits
Current: $287.0M · Tier avg: $183.7M
93
93th pctile
Non-Interest Income / Assets
Current: 1.12% · Tier avg: 0.56%