BlastPoint's Banking Scorecard
Mound City Bank
Community
Specialty: Agricultural
WI
FDIC cert 9037
Platteville, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
Mound City Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.61% below tier
- + Nonperforming Asset Ratio 0.49% below tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 40% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$544.2M
+8.8% YoY
+5.5% QoQ
|
-$847.3M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
Bottom 7% in tier |
| Total Loans ? |
$413.6M
+7.2% YoY
+3.8% QoQ
|
-$561.9M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
16% |
| Total Deposits ? |
$469.8M
+8.1% YoY
+7.1% QoQ
|
-$694.8M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
Bottom 9% in tier |
| Return on Assets ? |
1.31%
+53.6% YoY
-1.2% QoQ
|
+0.14% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
63% |
| Net Interest Margin ? |
3.44%
+25.7% YoY
+3.7% QoQ
|
-0.22% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
39% |
| Efficiency Ratio ? |
59.70%
-13.9% YoY
+2.5% QoQ
|
-2.93% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
58% |
| Delinquency Rate ? |
0.01%
-96.6% YoY
-96.5% QoQ
|
-0.61% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Top 7% in tier |
| Loan-to-Deposit Ratio ? |
88.03%
-0.8% YoY
-3.1% QoQ
|
+4.97% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
15.77%
+4.3% YoY
-4.7% QoQ
|
-5.28% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.01%
-96.7% YoY
-96.5% QoQ
|
-0.49% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
Top 6% in tier |
| Tier 1 Capital Ratio ? |
16.28%
+2.8% YoY
-0.1% QoQ
|
+6.04% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.89%
+5.7% YoY
+37.9% QoQ
|
+0.15% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
82% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 7%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 6%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (1)
Liquidity Overhang
risk
#109 of 268 · Bottom 40% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
16.28%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
88.03%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
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
94
94th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
93
93th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%
84
84th pctile
Tier 1 Capital Ratio
Current: 16.28% · Tier avg: 10.24%
82
82th pctile
Non-Interest Income / Assets
Current: 0.89% · Tier avg: 0.74%
63
63th pctile
Return on Assets
Current: 1.31% · Tier avg: 1.16%
59
59th pctile
Loan-to-Deposit Ratio
Current: 88.03% · Tier avg: 83.06%
58
58th pctile
Efficiency Ratio
Current: 59.70% · Tier avg: 62.63%
39
39th pctile
Net Interest Margin
Current: 3.44% · Tier avg: 3.66%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 15.77% · Tier avg: 21.05%
16
16th pctile
Total Loans
Current: $413.6M · Tier avg: $975.5M
9
9th pctile
Total Deposits
Current: $469.8M · Tier avg: $1.2B
7
7th pctile
Total Assets
Current: $544.2M · Tier avg: $1.4B
Top Weaknesses
7
7th pctile
Total Assets
Current: $544.2M · Tier avg: $1.4B
9
9th pctile
Total Deposits
Current: $469.8M · Tier avg: $1.2B
16
16th pctile
Total Loans
Current: $413.6M · Tier avg: $975.5M
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 15.77% · Tier avg: 21.05%
39
39th pctile
Net Interest Margin
Current: 3.44% · Tier avg: 3.66%
58
58th pctile
Efficiency Ratio
Current: 59.70% · Tier avg: 62.63%
59
59th pctile
Loan-to-Deposit Ratio
Current: 88.03% · Tier avg: 83.06%
63
63th pctile
Return on Assets
Current: 1.31% · Tier avg: 1.16%
82
82th pctile
Non-Interest Income / Assets
Current: 0.89% · Tier avg: 0.74%
84
84th pctile
Tier 1 Capital Ratio
Current: 16.28% · Tier avg: 10.24%
93
93th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%
94
94th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%