BlastPoint's Banking Scorecard
Spring Bank
Micro
Specialty: Commercial
WI
FDIC cert 58780
Designations: ✓ Community bank
Brookfield, WI
2498
banks in Micro tier nationally
88 in WI
View Micro leaderboard (WI) →
Spring Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 39.73% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.41% above tier
- - Nonperforming Asset Ratio 2.13% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$433.8M
+14.7% YoY
+1.2% QoQ
|
+$216.3M |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
Top 7% in tier |
| Total Loans ? |
$366.6M
+17.1% YoY
+4.1% QoQ
|
+$227.5M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$320.9M
+12.0% YoY
-2.0% QoQ
|
+$137.2M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
85% |
| Return on Assets ? |
1.25%
+24.1% YoY
+5.6% QoQ
|
+0.17% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
62% |
| Net Interest Margin ? |
3.50%
+12.1% YoY
+2.1% QoQ
|
-0.36% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
34% |
| Efficiency Ratio ? |
51.89%
-7.1% YoY
-3.9% QoQ
|
-15.83% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Top 13% in tier |
| Delinquency Rate ? |
3.05%
-7.2% YoY
+5.4% QoQ
|
+2.41% |
0.64%
+24.4% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
114.26%
+4.5% YoY
+6.2% QoQ
|
+39.73% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.52%
-9.9% YoY
-15.2% QoQ
|
-10.87% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 14% in tier |
| Nonperforming Asset Ratio ? |
2.58%
-5.3% YoY
+8.4% QoQ
|
+2.13% |
0.45%
+25.1% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| 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 ? |
0.12%
-7.5% YoY
+35.0% QoQ
|
-0.44% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 11% in tier |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
114.26%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (2)
Delinquency Rate
metric
Bottom 7%
in Micro
Why this stands out
Current:
3.05%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.58%
(Tier avg: 0.45%, National avg: 0.48%)
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 Loans
Current: $366.6M · Tier avg: $139.2M
98
98th pctile
Loan-to-Deposit Ratio
Current: 114.26% · Tier avg: 74.53%
93
93th pctile
Total Assets
Current: $433.8M · Tier avg: $217.5M
87
87th pctile
Efficiency Ratio
Current: 51.89% · Tier avg: 67.73%
85
85th pctile
Total Deposits
Current: $320.9M · Tier avg: $183.7M
62
62th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
34
34th pctile
Net Interest Margin
Current: 3.50% · Tier avg: 3.85%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.52% · Tier avg: 22.39%
11
11th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
7
7th pctile
Delinquency Rate
Current: 3.05% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.58% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.58% · Tier avg: 0.45%
7
7th pctile
Delinquency Rate
Current: 3.05% · Tier avg: 0.64%
11
11th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.52% · Tier avg: 22.39%
34
34th pctile
Net Interest Margin
Current: 3.50% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
62
62th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.08%
85
85th pctile
Total Deposits
Current: $320.9M · Tier avg: $183.7M
87
87th pctile
Efficiency Ratio
Current: 51.89% · Tier avg: 67.73%
93
93th pctile
Total Assets
Current: $433.8M · Tier avg: $217.5M
98
98th pctile
Loan-to-Deposit Ratio
Current: 114.26% · Tier avg: 74.53%
99
99th pctile
Total Loans
Current: $366.6M · Tier avg: $139.2M