BlastPoint's Banking Scorecard
Bristol Morgan Bank
Micro
Specialty: Commercial
WI
FDIC cert 9523
Designations: ✓ Community bank
Oakfield, WI
2498
banks in Micro tier nationally
88 in WI
View Micro leaderboard (WI) →
Bristol Morgan Bank shows strong momentum with 1 strength and 10.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 29.64% 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 ? |
$191.7M
+10.5% YoY
+6.1% QoQ
|
-$25.7M |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
49% |
| Total Loans ? |
$156.1M
+8.9% YoY
+5.7% QoQ
|
+$16.9M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
62% |
| Total Deposits ? |
$149.9M
+10.1% YoY
+8.0% QoQ
|
-$33.8M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
45% |
| Return on Assets ? |
0.84%
+67.9% YoY
+11.6% QoQ
|
-0.25% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
36% |
| Net Interest Margin ? |
4.26%
+11.2% YoY
+2.0% QoQ
|
+0.40% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
70% |
| Efficiency Ratio ? |
72.97%
-10.1% YoY
-3.1% QoQ
|
+5.24% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
33% |
| Delinquency Rate ? |
0.42%
-8.2% YoY
-5.3% QoQ
|
-0.22% |
0.64%
+24.4% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
104.17%
-1.1% YoY
-2.2% QoQ
|
+29.64% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Top 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.65%
-4.8% YoY
+3.6% QoQ
|
-3.74% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
37% |
| Nonperforming Asset Ratio ? |
0.35%
-9.5% YoY
-5.7% QoQ
|
-0.11% |
0.45%
+25.1% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
46% |
| Tier 1 Capital Ratio ? |
12.86%
-0.4% YoY
-0.8% QoQ
|
+4.01% |
8.85%
-3.4% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.18%
+289.4% YoY
+26.2% QoQ
|
-0.38% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
20% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
104.17%
(Tier avg: 74.53%, National avg: 78.04%)
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
94
94th pctile
Loan-to-Deposit Ratio
Current: 104.17% · Tier avg: 74.53%
70
70th pctile
Net Interest Margin
Current: 4.26% · Tier avg: 3.85%
63
63th pctile
Tier 1 Capital Ratio
Current: 12.86% · Tier avg: 8.85%
62
62th pctile
Total Loans
Current: $156.1M · Tier avg: $139.2M
49
49th pctile
Total Assets
Current: $191.7M · Tier avg: $217.5M
49
49th pctile
Delinquency Rate
Current: 0.42% · Tier avg: 0.64%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.35% · Tier avg: 0.45%
45
45th pctile
Total Deposits
Current: $149.9M · Tier avg: $183.7M
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 18.65% · Tier avg: 22.39%
36
36th pctile
Return on Assets
Current: 0.84% · Tier avg: 1.08%
33
33th pctile
Efficiency Ratio
Current: 72.97% · Tier avg: 67.73%
20
20th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
Top Weaknesses
20
20th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
33
33th pctile
Efficiency Ratio
Current: 72.97% · Tier avg: 67.73%
36
36th pctile
Return on Assets
Current: 0.84% · Tier avg: 1.08%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 18.65% · Tier avg: 22.39%
45
45th pctile
Total Deposits
Current: $149.9M · Tier avg: $183.7M
46
46th pctile
Nonperforming Asset Ratio
Current: 0.35% · Tier avg: 0.45%
49
49th pctile
Delinquency Rate
Current: 0.42% · Tier avg: 0.64%
49
49th pctile
Total Assets
Current: $191.7M · Tier avg: $217.5M
62
62th pctile
Total Loans
Current: $156.1M · Tier avg: $139.2M
63
63th pctile
Tier 1 Capital Ratio
Current: 12.86% · Tier avg: 8.85%
70
70th pctile
Net Interest Margin
Current: 4.26% · Tier avg: 3.85%
94
94th pctile
Loan-to-Deposit Ratio
Current: 104.17% · Tier avg: 74.53%