BlastPoint's Banking Scorecard
Bluff View Bank
Micro
Specialty: Commercial
WI
FDIC cert 8693
Designations: ✓ Community bank
Galesville, WI
2498
banks in Micro tier nationally
88 in WI
View Micro leaderboard (WI) →
Bluff View Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% 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 ? |
$151.5M
+4.6% YoY
-5.7% QoQ
|
-$66.0M |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
38% |
| Total Loans ? |
$96.3M
+7.0% YoY
-0.4% QoQ
|
-$42.9M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
42% |
| Total Deposits ? |
$118.7M
-3.5% YoY
-9.9% QoQ
|
-$64.9M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
35% |
| Return on Assets ? |
1.47%
+20.1% YoY
+9.2% QoQ
|
+0.38% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
73% |
| Net Interest Margin ? |
3.86%
+9.7% YoY
+4.8% QoQ
|
+0.01% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
53% |
| Efficiency Ratio ? |
66.77%
-4.5% YoY
-3.2% QoQ
|
-0.96% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
48% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
81.11%
+10.8% YoY
+10.6% QoQ
|
+6.58% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
24.28%
+2.8% YoY
+9.3% QoQ
|
+1.88% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
60% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
19.11%
+0.2% YoY
+6.0% QoQ
|
+10.25% |
8.85%
-3.4% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
85% |
| Non-Interest Income / Assets ? |
0.89%
-1.8% YoY
+40.0% QoQ
|
+0.33% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
Top 10% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
90
90th pctile
Non-Interest Income / Assets
Current: 0.89% · Tier avg: 0.56%
85
85th pctile
Tier 1 Capital Ratio
Current: 19.11% · Tier avg: 8.85%
73
73th pctile
Return on Assets
Current: 1.47% · Tier avg: 1.08%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 24.28% · Tier avg: 22.39%
53
53th pctile
Net Interest Margin
Current: 3.86% · Tier avg: 3.85%
48
48th pctile
Efficiency Ratio
Current: 66.77% · Tier avg: 67.73%
42
42th pctile
Total Loans
Current: $96.3M · Tier avg: $139.2M
40
40th pctile
Loan-to-Deposit Ratio
Current: 81.11% · Tier avg: 74.53%
38
38th pctile
Total Assets
Current: $151.5M · Tier avg: $217.5M
35
35th pctile
Total Deposits
Current: $118.7M · Tier avg: $183.7M
Top Weaknesses
35
35th pctile
Total Deposits
Current: $118.7M · Tier avg: $183.7M
38
38th pctile
Total Assets
Current: $151.5M · Tier avg: $217.5M
40
40th pctile
Loan-to-Deposit Ratio
Current: 81.11% · Tier avg: 74.53%
42
42th pctile
Total Loans
Current: $96.3M · Tier avg: $139.2M
48
48th pctile
Efficiency Ratio
Current: 66.77% · Tier avg: 67.73%
53
53th pctile
Net Interest Margin
Current: 3.86% · Tier avg: 3.85%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 24.28% · Tier avg: 22.39%
73
73th pctile
Return on Assets
Current: 1.47% · Tier avg: 1.08%
85
85th pctile
Tier 1 Capital Ratio
Current: 19.11% · Tier avg: 8.85%
90
90th pctile
Non-Interest Income / Assets
Current: 0.89% · Tier avg: 0.56%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%