BlastPoint's Banking Scorecard
Bank of Lake Mills
Micro
Specialty: Consumer
WI
FDIC cert 8695
Designations: ✓ Community bank
Lake Mills, WI
2498
banks in Micro tier nationally
88 in WI
View Micro leaderboard (WI) →
Bank of Lake Mills has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.45% above tier
- + Net Interest Margin 1.55% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 29.92% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$497.8M
+19.3% YoY
-3.6% QoQ
|
+$280.3M |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$425.6M
+22.6% YoY
+1.6% QoQ
|
+$286.5M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$407.5M
+23.8% YoY
-7.6% QoQ
|
+$223.8M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
Top 3% in tier |
| Return on Assets ? |
2.53%
+62.4% YoY
-8.8% QoQ
|
+1.45% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
Top 3% in tier |
| Net Interest Margin ? |
5.40%
+29.9% YoY
-0.9% QoQ
|
+1.55% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
Top 5% in tier |
| Efficiency Ratio ? |
53.87%
-20.8% YoY
+1.3% QoQ
|
-13.86% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
83% |
| Delinquency Rate ? |
1.03%
+504.6% YoY
+13.0% QoQ
|
+0.39% |
0.64%
+24.4% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
104.45%
-1.0% YoY
+9.9% QoQ
|
+29.92% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.68%
-16.8% YoY
-0.2% QoQ
|
-8.71% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.88%
+521.3% YoY
+19.1% QoQ
|
+0.43% |
0.45%
+25.1% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
23% |
| Tier 1 Capital Ratio ? |
12.30%
-15.7% YoY
-10.7% QoQ
|
+3.45% |
8.85%
-3.4% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.81%
+17.3% YoY
+29.1% QoQ
|
+0.25% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
Top 12% in tier |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 3%
in Micro
Why this stands out
Current:
2.53%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 5%
in Micro
Why this stands out
Current:
5.40%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
104.45%
(Tier avg: 74.53%, National avg: 78.04%)
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
Total Assets
Current: $497.8M · Tier avg: $217.5M
100
100th pctile
Total Loans
Current: $425.6M · Tier avg: $139.2M
97
97th pctile
Total Deposits
Current: $407.5M · Tier avg: $183.7M
97
97th pctile
Return on Assets
Current: 2.53% · Tier avg: 1.08%
95
95th pctile
Net Interest Margin
Current: 5.40% · Tier avg: 3.85%
88
88th pctile
Non-Interest Income / Assets
Current: 0.81% · Tier avg: 0.56%
83
83th pctile
Efficiency Ratio
Current: 53.87% · Tier avg: 67.73%
60
60th pctile
Tier 1 Capital Ratio
Current: 12.30% · Tier avg: 8.85%
28
28th pctile
Delinquency Rate
Current: 1.03% · Tier avg: 0.64%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.88% · Tier avg: 0.45%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.68% · Tier avg: 22.39%
6
6th pctile
Loan-to-Deposit Ratio
Current: 104.45% · Tier avg: 74.53%
Top Weaknesses
6
6th pctile
Loan-to-Deposit Ratio
Current: 104.45% · Tier avg: 74.53%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.68% · Tier avg: 22.39%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.88% · Tier avg: 0.45%
28
28th pctile
Delinquency Rate
Current: 1.03% · Tier avg: 0.64%
60
60th pctile
Tier 1 Capital Ratio
Current: 12.30% · Tier avg: 8.85%
83
83th pctile
Efficiency Ratio
Current: 53.87% · Tier avg: 67.73%
88
88th pctile
Non-Interest Income / Assets
Current: 0.81% · Tier avg: 0.56%
95
95th pctile
Net Interest Margin
Current: 5.40% · Tier avg: 3.85%
97
97th pctile
Return on Assets
Current: 2.53% · Tier avg: 1.08%
97
97th pctile
Total Deposits
Current: $407.5M · Tier avg: $183.7M
100
100th pctile
Total Loans
Current: $425.6M · Tier avg: $139.2M
100
100th pctile
Total Assets
Current: $497.8M · Tier avg: $217.5M